Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14625802
Complaint Overview
Complaint ID: 14625802
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: Account information incorrect
State: South Carolina
ZIP Code: 29210
Date Received: 2025-07-13T12:00:00-05:00
Date Sent to Company: 2025-07-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
From : XXXX XXXX XXXX XXXX Last XXXX : XXXX Only Valid Address on Record : XXXX XXXX XXXX XXXX To : Experian, Equifax, TransUnion Consumer Dispute Departments CC : Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) Date : XX/XX/XXXX XXXX : DEMAND FOR ADDRESS DELETION Pursuant to the Fair Credit Reporting Act ( FCRA ) 1681g ( a ) and the Right to Financial Privacy Act ( 12 U.S.C. 3401 ), I hereby demand the immediate deletion of all addresses reported on my credit profile that are NOT : XXXX XXXX XXXX XXXX All other addresses were reported without my consent, are not connected to me by contract, and constitute a clear violation of : FCRA 1681e ( b ) : Inaccurate personal identification information U.S. Privacy Laws : Unauthorized sharing of data Failure to remove these addresses is a form of misrepresentation and negligence. Violations of FCRA, UCC Articles 3 & 9, Privacy Act, and Established Federal Case Law I, XXXX XXXX XXXX, hereby issue this Lawful Demand to your credit reporting agency under full authority of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Uniform Commercial Code, and prevailing Federal Court rulings, to permanently remove and correct unlawful entries from my consumer file, specifically : XXXX : FULL ACCOUNT LISTING DEMAND TO DELETE/ RECLASSIFY The following credit accounts are present on my profile and are in violation of federal law, commercial contract law, and my financial privacy. They are either unverifiable, charged-off but still active, reported by unauthorized third parties, or duplicative. You are ordered to DELETE or RECLASSIFY them immediately as follows : DEBT BUYER / COLLECTION ACCOUNTS ( REMOVE ENTIRELY ) : XXXX XXXX XXXX Account No : XXXX Original : XXXX XXXX XXXX Status : Third-party debt buyer, no verified contract or chain of title Demand : XXXX XXXX XXXXXXXX, XXXX. Account No : XXXX Original : XXXX XXXX Status : Unverified collection account Demand : DELETE XXXX XXXX XXXX Account No : XXXX Original : Simple Fast Loans Status : No original documentation or chain of assignment Demand : DELETE CHARGE-OFFS ( RECLASSIFY OR DELETE AS PAID IN FULL ) : All charge-off accounts listed below have either been sold or transferred to third-party debt collectors and therefore must be reclassified as Paid in Full. According to : XXXX XXXX ( b ) : Tender or refusal of lawful payment discharges the obligation. UCC 3-302 : Only a holder in due course may enforce the instrument, which a debt buyer without assignment is not. UCC 3-305 ( a ) ( XXXX ) : The obligor may assert defenses against any transferee unless they qualify as a holder in due course. The following entries must be reclassified accordingly : XXXX XXXX Account No : XXXX Status : Charged-off & still showing {$810.00} due Demand : DELETE or MARK PAID IN FULL XXXX XXXX XXXX Account No : XXXX Status : Charged-off with {$770.00} written off ; duplicate of XXXX Demand : DELETE XXXX MARK PAID IN FULL XXXX XXXX XXXX Account No : XXXX Status : {$4300.00} written off ; still reporting {$4900.00} as past due Demand : DELETE or MARK PAID IN FULL POSITIVE ACCOUNTS ( MUST REMAIN/ NOT ALTERED NEGATIVELY ) : XXXX XXXX XXXX Account XXXX XXXX XXXX Auto Loan, Paid in Full Must reflect accurate Paid/Closed Never Late XXXX XXXX XXXX Account No : XXXX Auto Loan, Paid in Full Must reflect accurate Paid/Closed Never Late Self Financial / Lead Bank Account No : XXXX Secured Loan, Paid in Full Must remain positive only XXXX XXXX XXXX XXXX XXXX Account No : XXXX Secured Line of Credit, Paid in Full Must remain positive only XXXX : LEGAL FOUNDATIONS Violations Cited : FCRA 1681e ( b ) Failure to assure maximum possible accuracy FCRA 1681s-2 ( b ) Failure to investigate disputed items FCRA 1681g ( a ) Duty to disclose source of reported information UCC 3-603 ( b ) Discharge of debt upon valid tender or refusal UCC 3-302 & 3-305 Defenses available against non-holders in due course Right to Financial Privacy Act, 12 U.S.C. 3401 Unauthorized data reporting Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) Failure to validate debt within XXXX days is a waiver of collection Supporting Case Law : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) Debt buyers punished for reporting unverified debts XXXX XXXX XXXX ( XXXX ) Bills are not legal proof of debt XXXX XXXX XXXX ( XXXX ) Debt buyers lack standing without assignment XXXX XXXX XXXX XXXX ( XXXX ) Misleading credit reports are FCRA violations XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Debt transferred or sold must be extinguished as an obligation to the original party XXXX : RELIEF DEMANDED DELETE all third-party, unverifiable, or duplicate accounts DELETE all inaccurate addresses RECLASSIFY any charged-off or sold accounts as PAID IN FULL under UCC 3-603 REMOVE all late payments permanently SEND updated report within XXXX days of receipt Failure to comply will result in : Complaint filings with CFPB, FTC, and State AG Civil claims under FCRA 1681n/o Damages of {$1000.00} per violation, plus court costs Respectfully Submitted, XXXX XXXX XXXX Authorized Private Party | Beneficiary XXXX XXXX XXXX XX/XX/XXXX
Frequently Asked Questions
What is Complaint #14625802 about?
Complaint #14625802 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 2025-07-13T12:00:00-05:00.
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.