Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13448045
Complaint Overview
Complaint ID: 13448045
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Ohio
ZIP Code: 44011
Date Received: 2025-05-10T12:00:00-05:00
Date Sent to Company: 2025-05-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Dispute of All Negative Items FTC Identity Theft Report # XXXX Demand for Validation and Permanent Removal To Whom It May Concern : I, XXXX XXXX, hereby formally dispute ALL negative items appearing on my credit reports maintained by Equifax, TransUnion, and Experian, including but not limited to accounts with XXXX XXXX ( ending in XXXX, {$5400.00} ; XXXX, {$23000.00} ), XXXX XXXX ( ending in XXXX, XXXX, XXXX, XXXX ), XXXX ( ending in XXXX, XXXX ), XXXXXXXX XXXX ( ending in XXXX, {$15000.00} ), XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and all related inquiries and collection accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX These items are the result of identity theft by unauthorized business credit firms, as documented in my FTC Identity Theft Report # XXXX ( updated XX/XX/XXXX ). I have received no value from these accounts, and the debts are fraudulent. Pursuant to FCRA 1681s-2 ( b ), FDCPA 1692g, FCBA 1666, Ohio CSPA ( ORC 1345.02 ), and FTC Act 5, I demand the following : XXXX. Immediate Validation of All Disputed Items : o Each creditor ( XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and collection agency ( XXXX, XXXX ) must provide full and complete validation within 30 days of this notice, including : Original XXXX signed agreement bearing my personal signature. Any/All securitization documents. Complete chain of title proving lawful ownership. Itemized transaction records demonstrating benefit to me. o Failure to validate, as affirmed in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX, Record No. XXXX ), requires immediate cessation of collection and removal from my credit reports. My prior validation request to XXXX ( XX/XX/XXXX ) remains unmet, reinforcing this demand. XXXX. Permanent Debt Elimination : o All disputed accounts and associated debts ( $ XXXX estimated total ) must be XXXX in full and permanently removed from my credit reports under FCRA 1681c-2. The address discrepanciXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and lack of benefit evidence fraud, negating any obligation. CRAs must block these items within XXXX days of receiving my FTC report.
Frequently Asked Questions
What is Complaint #13448045 about?
Complaint #13448045 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-05-10T12:00:00-05:00.
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.