Debt collection -- Written notification about debt -- Complaint #13448894
Complaint Overview
Complaint ID: 13448894
Company: Transunion Intermediate Holdings, INC.
Product: Debt collection
Sub-Product: Rental debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: South Carolina
ZIP Code: 29316
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 am disputing the following collection accounts that have been added to my credit report without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are the result of identity theft and are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I never received a written notice of these debts, nor was I given any opportunity to dispute or validate them as required by law. Under 15 U.S.C. 1692g ( a ) of the FDCPA, a debt collector must send a written notice within five days of initial communication, including the amount of the debt, the name of the creditor, and a statement of my right to dispute the debt. This did not happen for any of the accounts listed above. Additionally, under 15 U.S.C. 1681s-2 ( b ) of the FCRA, furnishers of information are required to conduct a reasonable investigation when a dispute is submitted. No proper investigation was conducted, and the inaccurate information remains on my credit reports. These are willful violations of federal consumer protection laws. Per 15 U.S.C. 1681n and 15 U.S.C. 1692k, I am entitled to {$1000.00} per violation in statutory damages, in addition to actual damages and further relief. I am requesting the immediate deletion of all fraudulent and unvalidated accounts from my credit reports and a formal investigation into the collectors failure to comply with federal law. If not resolved promptly, I will pursue further legal remedies.
Frequently Asked Questions
What is Complaint #13448894 about?
Complaint #13448894 was filed against Transunion Intermediate Holdings, INC. regarding Debt collection specifically about Written notification about debt. 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 (Debt collection) 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.