Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13602435
Complaint Overview
Complaint ID: 13602435
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: Georgia
ZIP Code: 30519
Date Received: 2025-05-19T12:00:00-05:00
Date Sent to Company: 2025-05-19T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The collection accounts reported against me, as outlined below, appear to violate my rights under these consumer protection laws. Therefore, I demand the immediate deletion of the following items from my credit report due to the lack of substantiated and verifiable documentation. 1. Account that are in question are as follow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : 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 XXXXXX/XX/year> Further, per FDCPA Section 809, debt collectors must provide full validation and verification of any debt upon request. If you can not provide such verification for the disputed accounts, you are prohibited from reporting them on my credit report. 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) states that if a consumer notifies a debt collector in writing that they refuse to pay a debt, the collector must cease all further communication, except to notify the consumer of specific actions, such as filing a lawsuit. If a debt collector continues to communicate after receiving such notice, it violates the FDCPA. In such cases, the collection or charge-off should be deleted from the consumer 's credit report because it represents a breach of the consumer 's legal rights. Continuing collection efforts after a refusal to pay can lead to harassment or unlawful practices, and the consumer may be entitled to have the entry removed as a result. Additionally, I want to emphasize the legal implications of failing to comply with these laws. I will impose a {$1000.00} fine for each inaccurate or unverified claim you continue to report, as permitted under applicable consumer protection laws. If these items are not removed immediately, I will pursue litigation to protect my rights. Legal precedents, such as XXXX v. TransUnion LLC and XXXX v. XXXX, show that consumers have successfully sued credit bureaus for reporting inaccurate information, and I will not hesitate to do the same if my rights are violated further. The FCRA mandates that all information reported on consumer credit reports must be complete, accurate, and verifiable. If any data is disputed, it must be proven by the reporting agency to be correct and substantiated. Your failure to properly verify these reports constitutes a violation of FCRA Section 1681i, and I demand the immediate deletion of these items from my credit report.
Frequently Asked Questions
What is Complaint #13602435 about?
Complaint #13602435 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 2025-05-19T12:00:00-05:00.
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.