Debt collection -- Attempts to collect debt not owed -- Complaint #15984778
Complaint Overview
Complaint ID: 15984778
Company: Transunion Intermediate Holdings, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Texas
ZIP Code: 78541
Date Received: 2025-09-16T12:00:00-05:00
Date Sent to Company: 2025-09-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CFPB Complaint Letter Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Complaint Against XXXX, XXXX, and TransUnion for Reporting Paid and Obsolete XXXX XXXX XXXX Accounts What Happened I am filing this complaint because XXXX, XXXX, and TransUnion continue to report two XXXX XXXX XXXX accounts that are : More than 7 years old ( opened in XXXX and XXXX ). Paid in full to {$0.00} balances. Despite being paid to {$0.00}, these accounts are still reporting with balances and derogatory charge-off statuses. This is factually inaccurate reporting and violates the Fair Credit Reporting Act ( FCRA ). Additionally, all three bureaus have failed to list the Date of First Delinquency ( DOFD ), which is required to determine the 7-year reporting period. Violations of Law FCRA 605 ( a ) ( 4 ) [ 15 U.S.C. 1681c ( a ) ( 4 ) ] Negative accounts can not be reported more than 7 years from DOFD. Both accounts exceed this timeframe. FCRA 623 ( a ) ( 5 ) ( A ) Furnishers must report the DOFD on charged-off accounts. XXXX XXXX did not provide this. FCRA 607 ( b ) Bureaus must ensure maximum possible accuracy. Reporting balances on accounts already paid to {$0.00} violates this duty. FCRA 611 ( a ) ( 1 ) ( A ) Bureaus must conduct a reasonable reinvestigation. These accounts were verified without proof. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) After reinvestigation, bureaus must disclose their verification method. This was not provided.
Frequently Asked Questions
What is Complaint #15984778 about?
Complaint #15984778 was filed against Transunion Intermediate Holdings, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-09-16T12:00:00-05:00.
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 (Debt collection) 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.