Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12391683
Complaint Overview
Complaint ID: 12391683
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Arizona
ZIP Code: 85301
Date Received: 2025-03-09T12:00:00-05:00
Date Sent to Company: 2025-03-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Got it! Ill create a powerful dispute letter for Civility ( non-compliance ) regarding inaccurate or unverifiable information on your credit report. [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX AZ, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Subject : Formal Dispute for Non-Compliance Request for Immediate Deletion of Inaccurate Information Dear [ XXXX ] I am writing to formally dispute and demand the removal of an item currently being reported on my credit file. After reviewing my credit report, I discovered that there is an entry associated with Civility that I believe is inaccurate, unverified, and in violation of federal compliance laws under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy of any information contained in their credit report, the credit reporting agency must conduct a proper investigation and verify the information within 30 days. If the creditor fails to provide verifiable proof of the debt or item within that time frame, the item must be permanently deleted from my credit file. At this time, Civility has failed to provide verifiable documentation proving the validity of the debt in compliance with the FCRA, which constitutes a clear non-compliance issue. Therefore, I am demanding the immediate deletion of this account from my credit report as required by law. I am requesting that you : Immediately delete the Civility account from my credit report due to their failure to comply with federal guidelines. Provide me with written confirmation of the deletion once it has been completed. Failure to comply with this request will result in me escalating this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially pursuing legal action for willful non-compliance under 15 U.S. Code 1681n. Thank you for your prompt attention to this matter. Please send written confirmation of the deletion within 30 days of receiving this letter. Should you have any questions or require additional information, I can be reached at the contact information provided above. Sincerely, [ XXXX XXXX ]
Frequently Asked Questions
What is Complaint #12391683 about?
Complaint #12391683 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-03-09T12:00:00-05:00.
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.