Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #16977224
Complaint Overview
Complaint ID: 16977224
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: Virginia
ZIP Code: 23234
Date Received: 2025-11-02T12:00:00-05:00
Date Sent to Company: 2025-11-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
b'*XXXX XXXX\nXXXX 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 (FDCPA)**\n\nTo Whom It May Concern:\n\nThis letter serves as a formal notice disputing the validity of the alleged debt you claim I owe. Under the **Fair Debt Collection Practices Act (FDCPA)**, 15 U.S.C. 1692g, I am exercising my right to request full debt validation.\n\nYou are required by law to provide the following:\n\n1. **Proof that I owe this debt**, including a signed original contract or agreement.\n2. The **name and address of the original creditor**.\n3. A **complete itemized accounting** of the alleged balance, including interest, fees, and payments.\n4. **Proof of assignment or ownership** of the alleged debt.\n5. **Proof that you are legally licensed to collect debts in the Commonwealth of Virginia.**\n6. **Verification that this debt was not discharged or included in any bankruptcy proceeding**, with supporting evidence.\n\nUntil such proof is provided, you must **cease all collection efforts** including calls, letters, and credit reporting. Reporting unverifiable information to Equifax, Experian, or TransUnion will constitute a **violation of the Fair Credit Reporting Act (15 U.S.C. 1681s-2)**.\n\nFailure to comply within 30 days will result in a violation of the FDCPA and may subject your company to **civil liability, including statutory damages up to $1,000 per violation**, as well as actual damages and legal fees.\n\nPlease forward all correspondence and documentation to my address listed above. All future communications must be in writing only.\n\nSincerely,\n**XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #16977224 about?
Complaint #16977224 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 2025-11-02T12:00:00-05:00.
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.