Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13476158
Complaint Overview
Complaint ID: 13476158
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: Georgia
ZIP Code: 30906
Date Received: 2025-05-12T12:00:00-05:00
Date Sent to Company: 2025-05-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Formal Dispute and Debt Validation Request under the FDCPA Cease All Collection Activity Immediately To Whom It May Concern : This letter is a formal dispute of the alleged debt referenced in your communication to me. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), I am exercising my legal right to dispute this debt in full and to request comprehensive validation and verification of the alleged account. You are hereby notified of the following : You must cease all collection activities until full validation of this alleged debt is provided. Any further attempt to collect without proper validation will be reported as a direct violation of the FDCPA, and I will not hesitate to take legal action. Provide all of the following within 30 days of receipt of this letter : A complete itemization of the alleged debt. A copy of the original contract bearing my signature. Full documentation showing you have legal standing and assignment to collect this alleged debt. The name and address of the original creditor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A detailed payment history showing exactly how the amount claimed was calculated. Proof that you are licensed to collect debts in my state. Be advised, under 15 U.S.C. 1692e and 1692f, any deceptive, unfair, or abusive attempt to collect this alleged debt, including reporting unverifiable information to credit bureaus, will be met with a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. You are further notified that you do not have my consent to contact me by phone, and any further attempts to do so will be considered harassment and a violation of 15 U.S.C. 1692d. Failure to comply with these legal obligations will result in all available legal remedies being pursued to protect my rights, including but not limited to, civil action for statutory damages, injunctive relief, and attorneys fees.
Frequently Asked Questions
What is Complaint #13476158 about?
Complaint #13476158 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 2025-05-12T12:00:00-05:00.
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.