Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15190372
Complaint Overview
Complaint ID: 15190372
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: Information is missing that should be on the report
State: Illinois
ZIP Code: 60110
Date Received: 2025-08-09T12:00:00-05:00
Date Sent to Company: 2025-08-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
FORMAL NOTICE OF DISPUTE & DEMAND FOR DEBT CLEARANCE From : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Re : Formal Dispute of Alleged Debt and Demand for Immediate Remedy Dear Compliance Officer, This letter serves as my formal notice of dispute regarding any and all alleged debts or accounts claimed to be associated with my name, estate, or Social Security number by XXXX or any affiliated collectors. Upon detailed review, your agency has violated multiple federal statutes, which renders your claim legally unenforceable and subject to penalties. Violations Noted : 1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. - No proper validation or original contract has been provided upon request. Misrepresentation of the debt constitutes a clear violation. 2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. - Reporting alleged debts to credit bureaus without verification is unlawful and constitutes willful damage to my reputation and financial standing. 3. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq. - Failure to disclose key lending terms, interest obligations, and failure to provide signed documentation breaches federal law. 4. Case Law Supporting This Position : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Additionally, you have failed to provide : - A wet-ink signature contract establishing lawful obligation ; - A full chain of assignment/title showing lawful ownership of the alleged debt ; - Verified accounting records in accordance with GAAP standards. DEMAND FOR REMEDY : You are hereby demanded to : - Cease and desist all collection attempts, correspondence, or calls related to this matter ; - Clear and discharge all alleged debts associated with my name, estate, or SSN ; - Remove all tradelines related to this account from XXXX XXXX XXXX TransUnion ; - Provide written confirmation of said discharge and tradeline deletion within 30 days of receipt of this letter. Failure to comply will result in immediate legal action for damages under the above-mentioned federal statutes and relevant state consumer protection laws. All rights are expressly reserved, without prejudice ( UCC 1-308 ). Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #15190372 about?
Complaint #15190372 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 2025-08-09T12:00:00-05:00.
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.