Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #7035114
Complaint Overview
Complaint ID: 7035114
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Illinois
ZIP Code: 605XX
Date Received: 2023-05-26T12:00:00-05:00
Date Sent to Company: 2023-05-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
ubject : Method of Verification Request for Disputed Account Dear Sir/Madam, I am writing to dispute the accuracy and validity of an account listed on my credit report. According to my records, the account in question does not belong to me, and I am requesting that you verify its accuracy as mandated by the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ). Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX I am well aware of my rights under the FCRA XXXX which requires credit bureaus to investigate and verify the accuracy of disputed information within a reasonable timeframe. As such, I am formally exercising my rights and requesting that you provide me with complete and thorough documentation that supports the validity of this account. To ensure a fair and comprehensive investigation, I kindly request that you provide the following information : Verification of the Creditor : Please provide documentation proving that the alleged creditor, as listed on my credit report, is legitimate and that a valid contractual relationship existed between myself and the creditor. Verification of Account Ownership : Please furnish documented proof establishing my ownership and responsibility for this account, including any signed agreements or contracts bearing my signature. Itemized Account Statements : I request copies of all account statements, including the original and subsequent statements, indicating the transaction history, balances, payments, fees, and any other relevant information pertaining to this account. Chain of Custody : Please provide a complete record of the account 's ownership and any transfers or assignments of the debt. This should include any supporting documentation demonstrating how the alleged creditor obtained the account information. I understand that under the FCRA, the credit bureau has a legal obligation to investigate my dispute within 30 days of receiving my request. Additionally, I kindly request that you inform the original creditor of my dispute and provide them with a copy of this letter, as required by FCRA Section 611 ( a ) ( 2 ) ( A ). Please be advised that any failure to comply with my request and obligations under the FCRA may result in legal action to protect my rights. I have enclosed copies of relevant documents supporting my identity, including a copy of my driver 's license and a recent utility bill, to confirm my identity and ensure accurate processing of this dispute. Thank you for your prompt attention to this matter. I expect a thorough investigation and a timely response within the required timeframe. Please send all correspondence regarding this dispute to the address listed above. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #7035114 about?
Complaint #7035114 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-05-26T12:00:00-05:00.
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, credit repair services, 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.