Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14320608
Complaint Overview
Complaint ID: 14320608
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: Florida
ZIP Code: 33142
Date Received: 2025-06-26T12:00:00-05:00
Date Sent to Company: 2025-06-26T12:00:00-05:00
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 FL XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : Debt Collection Dispute and Request for Verification Dear Sir/Madam, I am writing to formally dispute the collection account referenced by account number which appears on my credit report. This letter serves as a request for validation and verification of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Under 15 U.S.C. 1692g, I am entitled to request verification of the debt. I require that you provide documented evidence detailing the following : 1. Original Creditor : Complete name and address of the original creditor. 2. Verification of the Debt : A full accounting of the debt amount, including itemized charges. 3. Proof of Your Authority : Documentation proving that you have authority to collect this debt on behalf of the original creditor. Additionally, under 15 U.S.C. 1681i of the FCRA, any information reported must be complete and accurate. I request that your business ensures that any erroneous or unverifiable information is removed from my credit reports. Until you can produce evidence validating this debt, I am requesting that you cease collection activities under 15 U.S.C. 1692c and stop reporting this account to the credit bureaus. I expect a thorough investigation and a full response within the 30-day period as specified by federal law. XXXX & XXXX XX/XX/XXXX Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #14320608 about?
Complaint #14320608 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 2025-06-26T12:00:00-05:00.
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.