Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13448559
Complaint Overview
Complaint ID: 13448559
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: California
ZIP Code: 92883
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
Tags: Servicemember
Consumer Narrative
I have contacted and disputed incorrect information on my report through Experian. I have found many errors in looking through my credit report with information given to them. I will attach all information that they lacked verifying and laws that they have violated. XXXX XXXX XXXX XXXX is reported twice on my report with duplicate records that is shown twice same account different account numbers. XXXX XXXX that has two accounts who never responded to show me verification. XXXX that has different information all across the board XXXX XXXX who said they didnt even have account with me and closed it in 2024. Which is in crpb records. XXXX XXXX who fixed the report after the dispute, XXXX XXXX that shows no data on my account. U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1692g Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) Experian has failed to fulfill its illegal obligation under the Fir Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Specifically, I request the following : 1. Full Validation of the Debt : A comprehensive account history, including original signed contracts, itemized billing statements, and payment history from inception to the present. Documentation showing your legal right to collect on this debt, including a complete chain of title proving ownership or assignment of the debt from the original creditor to the current creditor or collector. Verification of the specific charge-off amount claimed, with supporting evidence of how the amount was calculated, including fees, interest, and penalties. 2. Complian ce with Applicable Laws : Proof that all actions related to this alleged debt, including reporting to credit bureaus and collection efforts, comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Evidence that the charge-off status was properly validated before being reported to any credit reporting agency. 3. Immediate Removal of Inaccurate Information : If you are unable to provide the requested documentation within 30 days of receipt of this letter, you are required to immediately remove the disputed information from all consumer reporting agencies to which you have reported. Failure to respond with full documentation as outlined above will be considered as your inability to validate the debt, which requires its removal from my credit report under the FCRA. Additionally, I require written confirmation of your findings and actions taken to resolve this matter. Any continued reporting of unverifiable information will be considered a willful violation of the FCRA and FDCPA and will result in appropriate legal action.
Frequently Asked Questions
What is Complaint #13448559 about?
Complaint #13448559 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.