Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12100524
Complaint Overview
Complaint ID: 12100524
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Louisiana
ZIP Code: 703XX
Date Received: 2025-02-16T12:00:00-05:00
Date Sent to Company: 2025-03-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Re : Formal Dispute of Inaccurate Repossession Reporting To Whom It May Concern, I am writing to formally dispute the inaccurate and unverifiable repossession entry currently appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Uniform Commercial Code ( UCC ) 9-609, and applicable state consumer protection laws, I request an immediate investigation into this matter. If the information can not be verified with supporting documentation, I demand its removal from my credit file. Disputed Account Details Creditor/Lender : XXXX XXXX Account Number : XXXX Date of Repossession : XX/XX/XXXX Credit Bureau Reporting XXXX XXXX XXXX Transunion Cease & Desist Demand Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I hereby issue a formal Cease and Desist notice. I demand that all collection activities related to this account immediately cease. Any further attempts to collect, report, or verify inaccurate information will be considered a willful violation of federal and state consumer protection laws, warranting legal action. Legal Basis for Dispute 1. Violations Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 As required under 15 U.S.C. 1681i, any reported information must be accurate, complete, and verifiable. If the data furnisher fails to provide documentation supporting the validity of this repossession, it must be removed from my credit report immediately. I also request a Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). If the repossession entry is not substantiated with original supporting documentation, continued reporting of this account is unlawful. 2. Violations Under the Uniform Commercial Code ( UCC ) 9-609 Improper Repossession Procedures The UCC mandates that a repossession must be conducted without breach of peace and with proper legal notifications. If the lender or any third-party entity failed to adhere to these conditions, the repossession and any subsequent reporting of the account are invalid. I formally demand evidence of the following : o Proper pre-repossession notification o Proof that the repossession was conducted lawfully o Post-repossession notices regarding redemption and deficiency balances Failure to produce these documents will be considered an admission of non-compliance, necessitating immediate deletion of the account from my credit file. 3. Violations of State Consumer Protection Laws In addition to federal law, Louisiana provides protections against improper repossessions and inaccurate credit reporting. I request full compliance with my states consumer credit statutes, including any notification and deficiency balance requirements. Requested Actions Given the legal implications of this matter, I formally request the following actions be taken : 1. Immediate deletion of the repossession entry from my credit file due to lack of verifiable documentation. 2. Provision of the Method of Verification ( MOV ), including the original signed contract, lawful repossession notices, and compliance records. 3. Permanent cessation of all collection activities associated with this disputed account. 4. A formal written response within 30 days, as required by federal law. This matter requires immediate attention. Please provide a written resolution within 30 days from the date of receipt of this letter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12100524 about?
Complaint #12100524 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-02-16T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.