Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14454961
Complaint Overview
Complaint ID: 14454961
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: North Carolina
ZIP Code: 28269
Date Received: 2025-07-03T12:00:00-05:00
Date Sent to Company: 2025-07-03T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
b'My Complaint:\n\nI submitted a formal debt verification letter to XXXX XXXX XXXXXXXX in XXXX XXXX regarding multiple alleged debts they claim I owe. They responded by claiming the debts were "verified," but they failed to provide any documentation that legally verifies these debts under the Fair Debt Collection Practices Act (FDCPA), XXXX XXXX XXXX\n\nSpecifically:\n\nI have not received any signed contracts, itemized statements, or any documents proving they own the debts or have the legal right to collect on them.\n\nTheir response consisted only of a statement that the debts were valid which does not meet the requirements for proper verification.\n\nI sent my request in writing and within the XXXXday period from their initial contact.\n\nDespite their failure to properly verify, they have continued collection activity and reported these accounts to my credit report, negatively impacting my score.\n\n\nThis is a direct violation of the FDCPA. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action.\n\n\n---\n\nRequested Resolution:\n\nRequire XXXX XXXX XXXX to provide full and proper documentation of the alleged debts for the accounts listed below.\n\nRequire them to cease collection efforts and remove credit reporting until proper validation is provided.\n\nIf they cannot validate these accounts, they must delete the tradelines from my credit reports and cease all future contact.\n\n\n\n---\n\nAccounts in Question (last XXXX digits):\n\nXXXX---\n\nAdditional Information:\n\nName of Debt Collector: XXXX XXXX XXXX\n\nDate I sent the verification letter: XXXX XXXXn\nMethod sent: Certified mail (tracking available upon request)\n\nThey have reported these debts to my credit report.\n\nMy full name and address:\XXXX XXXX XXXX XXXX XXXX, NC XXXXn\n\n\n---\n\nNext Steps: I respectfully ask the CFPB to compel Resurgent Capital Services to comply with federal law, properly validate the alleged debts, and correct any reporting violations if validation cannot be produced.\n\nThank you for your time and attention to this matter.\n\n\n---\n\nLet me know if you want to also submit a dispute letter to the credit bureaus (Equifax, TransUnion, Experian) for these same accounts I can draft that next.'
Frequently Asked Questions
What is Complaint #14454961 about?
Complaint #14454961 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 2025-07-03T12:00:00-05:00.
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.