Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13580978
Complaint Overview
Complaint ID: 13580978
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: 30088
Date Received: 2025-05-18T12:00:00-05:00
Date Sent to Company: 2025-05-18T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Reporting XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681 Dear TransUnion, I am writing to dispute the accuracy of the information being reported on my TransUnion credit file regarding the above-mentioned account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that all information in consumer reports be accurate, complete, and verifiable. Specifically, I am disputing the following discrepancies that appear across all three major credit bureaus : The date the account was opened The current account status The date of last payment Duplicate or conflicting entries for the date opened These discrepancies call into question the validity and accuracy of the data being reported. Furthermore, the account involves a vehicle repossession by a third-party agent, which was carried out without my consent or authorization. I never approved the release of my personal information to any third-party repossession company, and this action violated my rights to privacy and due process. Accordingly, I request that TransUnion conduct a full reinvestigation of this account and furnish the following documentation : XXXX. A copy of the original signed loan agreement or contract XXXX. A complete payment history for the account XXXX. All documents related to the repossession, including : o Notice ( XXXX ) of default o Right-to-cure notifications o Repossession order o Identity of the third-party agent involved o Any record of my authorization for release of personal information If the information can not be verified with original documentation, I respectfully request that the account be corrected or removed from my credit report in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Enclosed are : A copy of my government-issued ID Proof of my current address A copy of my credit report with the account in question clearly highlighted Please respond within the legally required XXXX timeframe with the results of your reinvestigation. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13580978 about?
Complaint #13580978 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 2025-05-18T12:00:00-05:00.
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.