Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13497805
Complaint Overview
Complaint ID: 13497805
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: North Carolina
ZIP Code: 28110
Date Received: 2025-05-13T12:00:00-05:00
Date Sent to Company: 2025-05-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Request for Deletion of Repossession Entry Violation of Federal Law I am writing to formally dispute the reporting of a repossession account listed under my credit file. The account is as follows : Creditor Name : XXXX XXXX XXXX Account Number:XXXX This entry violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which governs the permissible purpose for furnishing consumer reports. I have not provided authorization nor is there a legally permissible purpose for this entry to remain on my credit report without proper verification and procedure. Furthermore, 15 U.S. Code 1681s-2 ( a ) mandates that furnishers of information have an obligation to provide accurate, complete, and verifiable data. I am formally requesting that you investigate this entry in accordance with 15 U.S. Code 1681i, and require the furnisher to verify the legitimacy of this account, including : The original contract and repossession documents Full payment history Proof of a lawful repossession procedure Whether the sale of the vehicle was conducted properly and a deficiency was legally established Suppose the creditor can not furnish this information within the 30-day period required by federal law. In that case, the entry must be permanently deleted from my credit report as it is unverified and potentially inaccurate. Please send me written confirmation of the results of your reinvestigation and a new copy of my credit report reflecting any changes made. I am requesting this under my rights per the FCRA. Failure to respond or correct unverifiable information may result in further legal action or complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ).
Frequently Asked Questions
What is Complaint #13497805 about?
Complaint #13497805 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-05-13T12:00:00-05:00.
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.