Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15339545
Complaint Overview
Complaint ID: 15339545
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: Their investigation did not fix an error on your report
State: Virginia
ZIP Code: 23831
Date Received: 2025-08-17T12:00:00-05:00
Date Sent to Company: 2025-08-17T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Your Name : XXXX XXXX Your Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Social Security Number XXXX Date of Birth XX/XX/XXXX Phone Number XXXX XXXX XXXX XXXX Attn : Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Deletion/Reinvestigation of Bankruptcy Record XX/XX/XXXX Dear XXXX XXXX Department, I am writing to formally dispute the accuracy and legality of the bankruptcy record being reported under my personal file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and other applicable laws. The following item is being reported inaccurately and/or without proper verification : Public Record Type : Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX Date : XX/XX/XXXX Case Number : XXXX My Dispute Basis : Lack of Direct Verification : The FCRA requires that all information in my consumer file be verified with the original source. Bankruptcies are not reported directly to you by the court ; instead, you obtain this data from third-party vendors or through electronic scraping, which is not a verified source. No Consumer Reporting Authorization : The U.S. Bankruptcy Court does not report bankruptcies to XXXX or any credit reporting agency, nor do they authorize you to collect and disseminate this information. Potential Violation of FCRA XXXX ( b ) : You are required to maintain reasonable procedures to assure maximum possible accuracy. Without direct court verification and a documented chain of custody for the information, the accuracy and completeness can not be guaranteed. Violation of FCRA 611 : If you can not obtain original source documentation with my signature or court validation proving the completeness and accuracy, you are obligated to delete the record. My Demand : Pursuant to the above laws, I am demanding the following : A complete reinvestigation of this bankruptcy record within 30 days of receipt of this letter. Written proof of the method of verification, including the name and contact information of the person or agency who verified the data directly with the court. If you can not provide direct verification from the original source, you must delete this bankruptcy record from your system and send me an updated copy of my file reflecting the deletion. Please note that failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. Attached is a copy of my drivers license and proof of address for identity verification. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #15339545 about?
Complaint #15339545 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 2025-08-17T12:00:00-05:00.
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.