Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13198284
Complaint Overview
Complaint ID: 13198284
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: Arkansas
ZIP Code: 723XX
Date Received: 2025-04-26T12:00:00-05:00
Date Sent to Company: 2025-04-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX. XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to formally dispute the accuracy and validity of a collection account that appears on my credit report. Under Section 15 U.S.C. 1692g of the Fair Credit Debt Collection Practices Act, I have the right to request verification of this debt, as well as to request that any unverifiable information be removed from my credit report. The details of the disputed collection account ( s ) are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FDCPA , I am requesting that you verify the validity of this debt with the original creditor, or delete the account from my credit report immediately if it can not be validated as accurate under my name. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your investigation. According to 15 U.S.C. 1692g, I am requesting a debt validation claim. Please provide the name, address, and telephone number of each person contacted regarding this alleged account ( s ). I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed as to a payment history, also has there been any insurance claim found on this debt, and also want to see a chain of title of this debt according to 15 U.S.C. 1692g Any automated response or E-Oscar verification is unacceptable. I am requesting a reinvestigation and your Method of Verification. According to 15 U.S.C. 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. According to 15 U.S.C. 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 U.S.C. 1681b ( 1 ) the credit bureaus dont have no written permission. According to 15 U.S.C. 1681 I have the right to privacy. According to 15 U.S.C. 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice & confirmation of errors. A person shall not furnish information relating to a consumer to any reporting agency if notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item ( s ) is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXXXXXX XXXX, XXXX ), you may be liable for your willful non-compliance as stated in section 15 U.S.C. 1681 n and 15 U.S.C. 1681 o Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, AR XXXX Sincerely, XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #13198284 about?
Complaint #13198284 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 2025-04-26T12:00:00-05:00.
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.