Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13879202
Complaint Overview
Complaint ID: 13879202
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: District of Columbia
ZIP Code: 20017
Date Received: 2025-06-03T12:00:00-05:00
Date Sent to Company: 2025-06-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX To : TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Credit Report Dispute XXXX XXXX XXXX Account Dear TRANSUNION I am writing to formally dispute inaccurate or unverifiable information listed on my credit report. The account in question is being reported by XXXX XXXX as a collection account for the original creditor XXXX and appears under account number ending in XXXX. Upon reviewing my report, I noticed several discrepancies and questionable reporting details that warrant investigation : Disputed Information : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ( Original Creditor : XXXX ) Date Opened : Different reporting dates between bureaus ( XX/XX/XXXX vs. XX/XX/XXXX ) Payment Status : Listed as Collection/Chargeoff without sufficient documentation or validation of debt Account Status : Derogatory without supporting context or communication from the original creditor Balance : {$1900.00} not recognized or validated I do not recall initiating or authorizing any such collection with XXXX XXXX, nor have I received formal validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you verify this account with the data furnisher or remove it from my credit report if it can not be substantiated. Please conduct an investigation and send me the results of your findings in writing. As proof of identity, I have enclosed the following : A copy of my government-issued ID A recent utility bill to verify my address A copy of the credit report with the disputed item highlighted Thank you for your time and prompt attention to this matter. I look forward to your response within the 30-day time period as required under the FCRA. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13879202 about?
Complaint #13879202 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 2025-06-03T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.