Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12848891
Complaint Overview
Complaint ID: 12848891
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: Texas
ZIP Code: 75126
Date Received: 2025-04-06T12:00:00-05:00
Date Sent to Company: 2025-04-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This letter serves as a formal dispute and notice of non-compliance regarding the reporting of an alleged debt from XXXX XXXX XXXX on my credit report with TransUnion and XXXX. In response to CFPB Complaint XXXX XXXX XXXX XXXX XXXX failed to provide sufficient documentation to validate the debt. Specifically, the following required items were not included : A Master Bill of Sale A Purchase Agreement A XXXX XXXX XXXX XXXX showing legal ownership of the alleged debt While an original contract from the creditor was provided, this does not establish your companys right to collect or report this debt. Furthermore, the balance currently being reported to the credit bureaus is {$1700.00}, which does not match the amount stated in the contract or documentation provided. In addition, I had an agreement with the original creditor, and I do not owe any debt to your company. Therefore, this debt is being reported inaccurately and without proper validation, in violation of the ( FCRA ) and the ( FDCPA ). To TransUnion and XXXX : This account is being disputed under FCRA XXXX. I am providing this letter as proof that the reporting furnisher has failed to provide the necessary documentation to support their reporting. The balance is inaccurate, and the ownership of the debt has not been verified. Accordingly, I am demanding the immediate deletion of this account from my credit file with both bureaus. If this matter is not resolved promptly, I will escalate the issue further through legal channels with my attorney.
Frequently Asked Questions
What is Complaint #12848891 about?
Complaint #12848891 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 2025-04-06T12:00:00-05:00.
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.