Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12399825
Complaint Overview
Complaint ID: 12399825
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: Massachusetts
ZIP Code: 02368
Date Received: 2025-03-09T12:00:00-05:00
Date Sent to Company: 2025-03-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear TransUnion XXXX XXXX, I am writing to formally dispute the reporting of an account associated with XXXX XXXX XXXXXXXX XXXX XXXXXXXX on my credit report. After reviewing Your recent dispute results investigation File Number : XXXX, I have identified several violations of the Fair Credit Reporting Act ( FCRA ) and demand an immediate investigation into these inaccuracies. Basis of Dispute and Request for Deletion : Address Mismatch Failure to Maintain Maximum Possible Accuracy. The address TransUnion has listed for me is incorrect and incomplete. The FCRA requires consumer reporting agencies to maintain the maximum possible accuracy in consumer reports ( 15 U.S.C. 1681e ( b ) ). The incorrect address you have used demonstrates a failure to verify my identity properly and thus invalidates any investigation results. The correct address on file should be XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, as it is on my XXXX drivers license not the inaccurate version reflected on your investigation results report. This discrepancy alone violates the FCRA accuracy requirements and makes any reported information unreliable. Inconsistent and Conflicting Account Information The reported balance, charge-off amount, and payment history do not match across different credit bureaus. According to my XXXX report, XXXX and XXXX are reporting different high balances and past due amounts compared to TransUnion. High Balance Inconsistencies : TransUnion : {$13000.00} XXXX : {$15000.00} ( different charge-off amount ) Last Payment Dates Conflict : TransUnion : XX/XX/year> Other bureaus show different dates. This suggests that either XXXX XXXX is providing conflicting data or TransUnion is failing to accurately update records. Under FCRA 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), any unverifiable or inaccurate information must be promptly deleted from my report. Failure to Provide the XXXX of XXXX The FCRA mandates that credit bureaus must provide consumers with their method of verification upon request ( 15 U.S.C. 1681i ( a ) ( XXXX ) ). I previously disputed this account, yet TransUnion failed to provide any supporting documentation from XXXX XXXX proving the validity of the debt. I am demanding a copy of the original signed contract with XXXX XXXX, proving that this debt belongs to me. If you can not provide this documentation within XXXX days, per the FCRA, you are legally required to delete the account immediately.
Frequently Asked Questions
What is Complaint #12399825 about?
Complaint #12399825 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 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.