Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15130726
Complaint Overview
Complaint ID: 15130726
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Was not notified of investigation status or results
State: Virginia
ZIP Code: 23454
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
In XX/XX/year>, I submitted a second dispute to TransUnion regarding a XXXX XXXX account ending in XXXX, with a reported balance of {$540.00} and an original charge-off of {$1100.00}. I requested a re-verification under 15 USC 1681i of the Fair Credit Reporting Act, including : 1. The method of verification 2. The name and contact info of the verifying party 3. Documentation used to verify the debt ( such as a signed agreement or billing history ) On XX/XX/year>, TransUnion responded by stating the account was Verified as Accurate and Updated. However, no documentation was provided to support the verification. They simply updated items like the Date Updated, Rating, and Historical Trended Data, without actually showing how the account was verified. I have not received any original documents from XXXX or TransUnion proving that this debt is valid or that I legally owe this amount. I did not receive a copy of any signed agreement, terms of the account, or chain of ownership. Because TransUnion failed to provide the verification details and documentation I explicitly requested, I believe this account is being reported in violation of my rights under the Fair Credit Reporting Act. I believe a reasonable reinvestigation did not occur.
Frequently Asked Questions
What is Complaint #15130726 about?
Complaint #15130726 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. 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.