Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12661622
Complaint Overview
Complaint ID: 12661622
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: South Carolina
ZIP Code: 291XX
Date Received: 2025-03-25T12:00:00-05:00
Date Sent to Company: 2025-03-25T12:00:00-05:00
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, SC XXXX XXXX XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate XXXX XXXX Bankruptcy Reporting under 15 U.S.C. 1681o ( FCRA Civil Liability ) To Whom It May Concern, I am writing to formally dispute the erroneous reporting of a XXXX XXXX bankruptcy on my credit report. As per my recent investigation, there is no verifiable proof that this bankruptcy exists or has been validated by the appropriate authorities. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681o, credit reporting agencies have a legal obligation to ensure the accuracy of information reported and may be held civilly liable for willful or negligent noncompliance. Furthermore, I have obtained official documentation from the bankruptcy court affirming that they do not verify or validate the accuracy of information reported to third-party services. This proves that the information appearing on my credit report is unverifiable and must be removed immediately in compliance with the FCRA. I demand that you provide tangible and verifiable proof that this XXXX XXXX bankruptcy is accurate, has been properly validated, and is legally reportable under federal law. If such verification can not be provided, I demand the immediate deletion of this inaccurate information from my credit report. Failure to comply with this request may result in legal action against your agency for willful and negligent noncompliance with the FCRA. Please respond to this dispute within the legally mandated 30-day period, as required by the FCRA. Kindly send me written confirmation once the incorrect information has been removed. Failure to respond appropriately will leave me with no choice but to pursue further legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially initiating legal proceedings. I expect immediate corrective action on your part and look forward to your prompt response. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12661622 about?
Complaint #12661622 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 2025-03-25T12:00:00-05:00.
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.