Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16676587
Complaint Overview
Complaint ID: 16676587
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: Virginia
ZIP Code: 23238
Date Received: 2025-10-18T12:00:00-05:00
Date Sent to Company: 2025-10-18T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Prohibition of Reinsertion & Notice of Civil Liability From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX ( Last 4 Digits ) : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX, XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Subject : LEGAL DISPUTE DEMAND FOR PROOF, VALIDATION, VERIFICATION & REINSERTION BAN Accounts in Dispute : XXXX XXXX XXXX XXXX {$220.00} XXXXXXXX XXXX XXXXXXXX {$110.00} XXXX XXXX {$650.00} XXXXXXXX XXXX XXXX$770.00} Dear Credit Bureau XXXX XXXX, I am submitting this formal dispute, validation, and verification demand pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). The accounts listed above are inaccurate, unverifiable, and improperly reported. I am demanding full proof, validation, and verification of each account before any continued reporting, as required by federal law. I. VALIDATION & VERIFICATION DEMAND Under FCRA 611 ( a ) ( 1 ) ( A ) and FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), I am requesting that each data furnisher and collection agency provide complete verification and documentary evidence proving the accuracy and ownership of the alleged debts. You must produce : A copy of the original signed contract or agreement bearing my signature. A complete payment history and itemized accounting showing how the balance was calculated. Proof of ownership or assignment demonstrating legal right to collect and report the account. The name, address, and contact information of the original creditor. All records of any prior disputes, verifications, or reinvestigations related to these accounts. If such documentation can not be produced, these accounts must be deleted immediately from my credit file under FCRA 611 ( a ) ( 5 ) ( A ). II. PROHIBITION OF REINSERTION You are hereby notified that these accounts may not be reinserted into my credit report once deleted, unless strict compliance with FCRA 611 ( a ) ( 5 ) ( B ) is followed, including : Written certification from the furnisher that the information is accurate ; and Written notice to me within 5 business days of reinsertion. Failure to follow this process is a willful violation of federal law and subjects all parties to civil liability under FCRA XXXX. XXXX. CASE LAW SUPPORTING MY REQUEST XXXX XXXX Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) Credit bureaus can not simply rely on the furnishers verification ; they must perform an independent investigation. XXXX v. XXXXXXXX XXXX 190 F. Supp. 2d 81 ( D. Mass. 2001 ) Reinserting deleted information without consumer notification violates the FCRA. XXXX XXXX XXXX, XXXX, 520 F.3d 1066 ( 9th Cir. 2008 ) Reporting unverifiable debts constitutes willful noncompliance. XXXX v. XXXX XXXX XXXX, 257 F.3d 409 ( 4th Cir. 2001 ) Furnishers are liable when they fail to verify data accuracy before reporting. XXXX XXXX XXXX XXXX XXXX XXXX, 936 F.2d 1151 ( 11th Cir. 1991 ) Credit bureaus must delete unverifiable information. IV. FORMAL NOTICE OF LIABILITY If you or the furnishers continue to report these accounts without proper verification, it will constitute willful noncompliance with the FCRA and FDCPA. You will be subject to : Statutory damages of {$1000.00} per violation Actual damages including harm to credit, emotional distress, and financial losses Attorneys fees and costs pursuant to FCRA 616617 and FDCPA 813 V. REQUIRED ACTIONS Conduct a full reinvestigation within 30 days of receipt of this dispute. Provide written proof, validation, and verification from each data furnisher. Delete all unverifiable or inaccurate accounts immediately. Do not reinsert deleted items without full compliance with FCRA 611 ( a ) ( 5 ) ( B ). Send written confirmation of deletions or verification findings to me at the address above. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #16676587 about?
Complaint #16676587 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 2025-10-18T12:00:00-05:00.
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.