Debt collection -- False statements or representation -- Complaint #12753465
Complaint Overview
Complaint ID: 12753465
Company: Transunion Intermediate Holdings, INC.
Product: Debt collection
Sub-Product: Auto debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Alabama
ZIP Code: 35401
Date Received: 2025-03-31T12:00:00-05:00
Date Sent to Company: 2025-03-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently disputed a charge-off account from XXXX XXXX XXXX XXXX however my dispute was denied, and you reported that the account was Verified as accurate XXXX XXXX XXXX** I disputed this account and even attached screenshotted proof that the information being reported on my credit report was inaccurate, however, it was considered verified and updated according to your alleged investigation. I 100 % believe that the verification process that you performed was NOT done correctly because this debt is not legally enforceable. Please prove the method of verification you used to verify this debt. Under the FCRA Section 611 ( a ) ( 7 ), I have a right to know how this debt was verified after I have attached the proof that it was inaccurate. I am requesting a DETAILED explanation of the method you used to verify this debt and a full explanation of how the investigation was conducted. Please consider this formal dispute!! Specifically, I ask that you provide, The name, address, and contact information of the party that verified the account, a detailed explanation of how the verification was conducted, and copies of any documentation provided by the creditor to verify the accuracy of this charge-off. Also, in accordance with the FCRA, I expect a response within 30 days. If you can not provide the requested information, I demand its deletion from my credit file. I am 100 % sure that my dispute was pushed through E-Oscar system that allows the creditor to review and respond with Verified as accurate and this dispute was not thoroughly investigated. Failure to comply, I will seek legal action for failing to follow the federal credit reporting rules. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #12753465 about?
Complaint #12753465 was filed against Transunion Intermediate Holdings, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-03-31T12:00:00-05:00.
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 (Debt collection) 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.