Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16310207
Complaint Overview
Complaint ID: 16310207
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 belongs to someone else
State: Texas
ZIP Code: 77545
Date Received: 2025-10-01T12:00:00-05:00
Date Sent to Company: 2025-10-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX Ct. XXXX, TX XXXX XXXX : XX/XX/XXXX | SSN ( last XXXX digits ) : XXXX Phone : XXXX | Email : XXXX To : TransUnion LLC, P.O. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Deletion demand inaccurate/unverifiable collection reporting ( XXXX, XXXX ) Dear Disputes Department, Im disputing the accuracy and completeness of a collection tradeline reported by XXXX, XXXX ( Original Creditor : XXXX XXXX / XXXX AT XXXX ) appearing in my file. This item is inaccurate, incomplete, and unverifiable as reported. Please conduct a reasonable reinvestigation and delete the account if verification can not be substantiated within FCRA timelines. XXXX credit report ( XXXX XXXX XXXX XXXX XXXX XXXX errors and compliance issues ( tailored to this account ) XXXX XXXX XXXX defects ( re-aging risk ). XXXX XXXX requires an accurate FCRA Compliance/Date of First Delinquency ( Base Segment Field XXXX ) for derogatory items ; furnishers must comply with XXXX ( a ) ( XXXX ). Any missing, blank, or shifted XXXX that extends the reporting period is noncompliant and must be corrected or deleted. Please confirm the XXXX used and its source documentation. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dispute coding during reinvestigation. During your reinvestigation, the furnisher must report XXXX XXXX XXXX XXXX to reflect an active FCRA dispute ; failure to code properly misleads users of the report ( XXXX ). If you conclude the investigation with disagreement, XXXX applies ; if resolved, XXXX. Ensure the tradeline reflects proper CCC at all times or remove it. XXXX XXXX XXXX help.cubase.org XXXX help.genesys.com XXXX Ambiguous/insufficient furnisher source identification. The original creditor is shown as THE XXXX / XXXX AT XXXX, which appears ambiguous ( multiple property names ). Under FCRA 609 ( a ) ( 2 ), I am entitled to the sources of the information ( both the original source and any intermediary/vendor ). Provide the precise original creditor name and address, chain of assignment, and the vendor ( s ) that supplied this item to you. If not obtainable, delete. XXXX credit report ( XXXX XXXX Consumer Financial Protection Bureau XXXX investigation standard. If the furnisher can not produce account-level documentation ( e.g., executed lease, itemized move-out ledger, breakdown of charges, and proof of assignment ), then marking verified based only on internal snapshots is inadequate under 623 ( b ) ( see XXXX and XXXX ) XXXX In that case, you must delete under 611 ( a ) ( 5 ) ( A ). XXXX XXXX XXXX XXXX XXXX XXXX Action demanded ( deletion-first ) : Delete this tradeline from my credit file if the DOFD or ownership can not be verified with account-level documentation ; or if proper CCC coding is not used throughout the reinvestigation. Provide me the investigation results and a free updated report. If you consider this dispute frivolous, detail that determination in writing as 611 ( a ) ( 3 ) requires. Otherwise, complete your reinvestigation within the statutory period. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #16310207 about?
Complaint #16310207 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 2025-10-01T12:00:00-05:00.
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.