Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11899036
Complaint Overview
Complaint ID: 11899036
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Wisconsin
ZIP Code: 53216
Date Received: 2025-02-02T12:00:00-05:00
Date Sent to Company: 2025-02-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin, XXXX XXXX XXXX XX/XX/2025 Subject : Request for Debt Validation, Chain of Ownership, and Cease and Desist I hope this letter finds you well. I am writing to formally dispute the validity of the debt you claim I owe and to request specific documentation regarding this matter. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt being collected, and I am exercising that right now. To ensure clarity and transparency, I request the following information : 1. A copy of the original assignment or contract that confirms your authority to collect on this debt. 2. A complete chain of ownership that demonstrates how this debt has been transferred from the original creditor to your agency. 3. A detailed accounting of the debt, including the original amount, any fees or interest added, and the total amount currently being claimed. Furthermore, I want to bring to your attention that I am currently being harassed by your agency and other collection agencies regarding this debt. This has caused me significant distress and is unacceptable. Therefore, I request that you immediately cease and desist from all further communication with me concerning this debt until you provide the requested validation. Please be aware that I am keeping a record of all communications related to this matter. If you fail to provide the requested documentation within 30 days of receipt of this letter, I expect you to discontinue all collection efforts regarding this debt and update my records accordingly. I appreciate your prompt attention to this serious matter. I look forward to receiving the requested information so we can resolve this situation amicably. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11899036 about?
Complaint #11899036 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-02-02T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.