Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14431874
Complaint Overview
Complaint ID: 14431874
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: Virginia
ZIP Code: 22191
Date Received: 2025-07-02T12:00:00-05:00
Date Sent to Company: 2025-07-02T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
b'XXXX XXXX XXXX XXXX XXXX XXXXTransunion\nP.O. Box 2000 \nXXXX XXXX XXXX\n\nTo Whom It May Concern,\nThis letter is a formal complaint that you are reporting inaccurate and incomplete credit information.\nAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.\nI demand to see verifiable proof (i.e.: an original consumer contract with my signature on it) that you have on file for the account listed below.\nYour failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below.\nI demand that the following account be verified or removed immediately:\n1.\tI was never late on this account.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number XXXXnPlease remove this inaccurate information on my credit report.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease remove this inaccurate information on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease remove this inaccurate information on my credit report\n\n4XXXX XXXX XXXX XXXX XXXX XXXXnPlease remove this inaccurate information on my credit report\n\nIn addition, please remove all non-account holding inquiries over XXXX days old. Also, please add a promotional XXXX to my credit file.\nUnder federal law, you have XXXX (XXXX) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX (XXXX) days of the completion of your re-investigation.\nThank you,\nXXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #14431874 about?
Complaint #14431874 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 2025-07-02T12:00:00-05:00.
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.