Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13205338
Complaint Overview
Complaint ID: 13205338
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Arizona
ZIP Code: 85040
Date Received: 2025-04-27T12:00:00-05:00
Date Sent to Company: 2025-04-27T12:00:00-05:00
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 XXXX XXXX, AZ XXXX XXXX XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Formal Direct Dispute Request for Deletion of Inaccurate Account Information Dear Experian Disputes Department, I am writing to formally dispute the inaccurate and unauthorized accounts that have been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681c2 ( Identity theft and blocking of fraudulent information ), 15 U.S.C. 1681b ( Permissible purposes for access to consumer reports ), 15 U.S.C. 1681d ( Disclosure of investigative consumer reports ), 15 U.S.C. 1681e ( Compliance procedures ), 15 U.S.C. 1681g ( Disclosures to consumers ), 15 U.S.C. 1681c ( Requirements relating to information contained in consumer reports ), 15 U.S.C. 1681c-1 ( Identity theft prevention ; fraud alerts and active duty alerts ), and 15 U.S.C. 1681h ( Conditions and form of disclosure to consumers ), I am requesting immediate investigation and deletion of the following accounts : Accounts to Be Investigated and Removed : 1. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX Account # XXXX Upon reviewing my credit file, I have determined that these accounts contain inaccurate, unverifiable, and/or unauthorized information. I formally request : 1. A thorough reinvestigation of each listed account in compliance with 1681e. 2. Full validation and verification documentation, including signed contracts, complete payment histories, and evidence of permissible purpose for collection under 1681b and 1681g. 3. Cessation of reporting the accounts to any consumer reporting agencies during the investigation as outlined under 1681c2. 4. Deletion of any account that can not be verified under the FCRA within 30 days. Failure to comply will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other regulatory agencies. I also reserve my right to pursue legal action. Please forward all written responses and documentation to the mailing address provided above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX ( Last 4 Digits ) : XXXX Date of Birth : XXXX
Frequently Asked Questions
What is Complaint #13205338 about?
Complaint #13205338 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-04-27T12:00:00-05:00.
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.