Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12959620
Complaint Overview
Complaint ID: 12959620
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: Maryland
ZIP Code: 21044
Date Received: 2025-04-12T12:00:00-05:00
Date Sent to Company: 2025-04-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
TransUnion is currently reporting a collection account from XXXX XXXX XXXX ( XXXX ) that is inaccurate, unvalidated, and disputed. I previously submitted a written dispute to XXXX regarding this account. They responded with a generic stall letter that does not include any form of proper debt validation under FDCPA or FCRA standardsno signed contract, no itemized breakdown, and no chain of title. Despite this, TransUnion allowed XXXX to update the tradeline on XX/XX/year>, while the debt remained disputed and unverified. I filed a lawsuit against XXXX XXXX XXXX XXXX XXXXXX/XX/year>, for continued violations of the FDCPA and FCRA. XXXX is now under litigation, and the debt remains unvalidated. TransUnion is still reporting the tradeline without indicating its under dispute, and without removing the unverifiable informationwhich is a willful violation of FCRA 623 ( b ).
Frequently Asked Questions
What is Complaint #12959620 about?
Complaint #12959620 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 2025-04-12T12:00:00-05:00.
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.