Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16432734
Complaint Overview
Complaint ID: 16432734
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Mississippi
ZIP Code: 39759
Date Received: 2025-10-07T12:00:00-05:00
Date Sent to Company: 2025-10-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This letter is a formal dispute regarding the account reported under XXXX on my consumer report. The information being reported is inaccurate and must be investigated and corrected under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies and furnishers to follow reasonable procedures to assure maximum possible accuracy of the information they report. The account in question is listed as charged off and indicates that it has been sold or transferred to another lender. However, I have not received a 1099-C form from your company as required by the Internal Revenue Service ( IRS ) for any cancellation of debt. If this debt has in fact been sold or transferred, then your company is no longer the rightful owner or data furnisher of this account and therefore should not be reporting it to any consumer reporting agency.
Frequently Asked Questions
What is Complaint #16432734 about?
Complaint #16432734 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-10-07T12:00:00-05:00.
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.