Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13322670
Complaint Overview
Complaint ID: 13322670
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: Virginia
ZIP Code: XXXXX
Date Received: 2025-05-03T12:00:00-05:00
Date Sent to Company: 2025-05-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/year> Re : Formal Dispute Unverified XXXX XXXX Reporting ( Immediate Deletion Demanded ) To Whom It May Concern : This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding XXXX XXXX accounts reported by [ Insert Servicer Name ( s ), e.g., XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - 1. Issue : Missing Master Promissory Note ( MPN ) Law : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681e ( b ) Demand : Delete the account ( s ) unless the original, wet-ink signed MPN is provided. Electronic or summary data is insufficient under federal evidentiary standards. If no valid contract exists, the account must be removed. -- - 2. Issue : Inaccurate Reporting of Loan Status ( Forbearance/Deferment ) Law : 15 U.S.C. 1681s-2 ( b ) Demand : Verify whether this loan is under administrative forbearance or federal deferment. If so, it can not be reported as past due. If verification fails, delete the tradeline for inaccurate furnishing. -- - 3. Issue : Metro 2 and CDIA Noncompliance Law : Metro 2 Format Guidelines & FCRA Demand : Reporting unverifiable or paused student loan accounts violates Metro 2 standards. If not accurately validated per CDIA guidelines, delete the account immediately. -- - Failure to Comply : You must respond within 30 days under the FCRA. Noncompliance will be reported to the CFPB and may result in legal action under 15 U.S.C. 1681n and 1618o Transunion tried to claim that they didn't know account, nor my reason stated for removal. I clearly stated account information and that they provided illegal access to my financial and student loan records
Frequently Asked Questions
What is Complaint #13322670 about?
Complaint #13322670 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 2025-05-03T12:00:00-05:00.
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.