Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15130316
Complaint Overview
Complaint ID: 15130316
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: Georgia
ZIP Code: 31907
Date Received: 2025-08-06T12:00:00-05:00
Date Sent to Company: 2025-08-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to dispute the * * collection account * * listed on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ), which was verified during my previous dispute but without any proof of the debt. I previously disputed this account and was informed that it was verified, yet I did not receive any documentation proving the legitimacy of this debt or the details of the original account with XXXX XXXX XXXX XXXX XXXX Details of the Issue : 1. No Proof of Debt : The collection account is still listed on my credit report as verified, yet no * * documentation or proof * * has been provided to substantiate the debt. I am requesting that the credit bureaus immediately * * remove this account * * unless the debt collector can provide verifiable evidence. 2. Request for Validation : I am requesting validation of the debt under the * * Fair Debt Collection Practices Act ( FDCPA ) * *. Specifically, I am requesting : * Proof that I am responsible for the debt. * Documentation of the original contract or agreement with XXXX XXXX XXXX XXXX XXXX XXXX * Any correspondence or details from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that link me to the debt. If XXXX XXXX XXXX XXXX XXXX XXXX XXXX can not provide this proof, I request that this account be * * removed from my credit report * * immediately. 3. Failure to Provide Proof : As per the Fair Credit Reporting Act ( FCRA ) if a debt is disputed and verified without providing adequate proof, it should not remain on my credit report. Since no documentation was provided to verify the debt, I am requesting that the credit bureaus investigate this matter thoroughly and remove the collection account. Legal Rights Under FCRA and FDCPA Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting : Immediate removal of this account from my credit report unless proper documentation is provided to validate this debt. Proof of the debt including the original creditor information, account details, and proof of my responsibility for the debt. I request that this matter be resolved within 30 days and that I receive written confirmation of the actions taken. Thank you for your prompt attention to this matter. I look forward to your response.
Frequently Asked Questions
What is Complaint #15130316 about?
Complaint #15130316 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 2025-08-06T12:00:00-05:00.
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.