Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15509949
Complaint Overview
Complaint ID: 15509949
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: North Carolina
ZIP Code: 28025
Date Received: 2025-08-24T12:00:00-05:00
Date Sent to Company: 2025-08-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
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 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 XXXXXXXX Re : Formal Dispute Fraudulent Collection Accounts ( Identity Theft & Breach ) Dear Credit Bureau, I am writing to dispute the reporting of the following accounts appearing on my credit file : - XXXX XXXX XXXX / XXXX XXXX XXXX Balance {$780.00} Opened XX/XX/XXXX Placed for Collection These accounts are inaccurate, fraudulent, unauthorized, and must be deleted immediately under my rights as a consumer. Basis of Dispute 1. Identity Theft / Data Breach Compromise I was notified as part of the XXXX XXXX XXXX XXXX that my personal identifying information was compromised. This breach materially increased the likelihood of fraudulent accounts being opened without my authorization. XXXX. No Authorization or Knowledge I have no knowledge of these accounts and I never granted authorization to XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX for this debt. Reporting an account opened through identity theft is a violation of FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates blocking fraudulent information. XXXX. Failure of XXXX XXXX Compliance The accounts are reported with conflicting notations : Placed for collection and Account information disputed by consumer. Such inconsistencies violate XXXX XXXX reporting standards, which require accurate and complete data. Any incomplete, unverifiable, or misleading reporting must be deleted under FCRA 607 ( b ). 4. Failure to Validate Debt Under FDCPA 809 ( 15 U.S.C. 1692g ), a collector must provide proper validation, including a signed agreement bearing my signature. No such validation has ever been produced. Continuing to report unverifiable accounts is unlawful. Demands - Immediate deletion of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts from my credit file. - Provide me with written confirmation of deletion within 30 days as required by FCRA 611 ( 15 U.S.C. 1681i ). - If you believe you have evidence that I authorized these accounts, please furnish a complete copy of the signed contract, application, and itemized validation within the same timeframe. If this dispute is not resolved, I will escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the North Carolina Attorney General, and pursue remedies under FCRA 616, 617 for willful or negligent noncompliance. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #15509949 about?
Complaint #15509949 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 2025-08-24T12:00:00-05:00.
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.