Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #7226479
Complaint Overview
Complaint ID: 7226479
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Pennsylvania
ZIP Code: 19013
Date Received: 2023-07-09T12:00:00-05:00
Date Sent to Company: 2023-07-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX/XXXX/2320 Re : Dispute of Collection Accounts and Request for Permissible Purpose Documentation To whom it may concern, I am writing to you as a consumer XXXXXXXX XXXX XXXXXXXX, whose personal information is provided below. It has come to my attention that there are XXXX collection accounts associated with me XXXX XXXX in your records. The details of these accounts are as follows : XXXX. Account Name : XXXX XXXX Account Number : XXXX Date : XX/XX/2023 XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/2023 Upon reviewing my XXXX XXXX XXXX credit history, I have concerns regarding the legality of these accounts and the information used to establish permissible purpose for obtaining XXXX XXXX XXXX personal information XXXX It is my belief that the collection agencies, namely XXXX XXXX and XXXX XXXX XXXX have failed to provide sufficient evidence of permissible purpose as required by federal law. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, collection agencies are required to have a permissible purpose when accessing and reporting consumer credit information. This includes obtaining consumer reports for the purpose of collecting debts. It is crucial for the collection agencies to demonstrate that they had a valid and lawful reason to obtain XXXXXXXX XXXX XXXX personal information, as failure to do so can result in serious violations of my rights as a consumer. Therefore, I kindly request that you provide me with the following documentation within 30 days from the date of this letter : 1. Any and all documents, agreements, or contracts that demonstrate a permissible purpose for accessing XXXX XXXXXXXX XXXX personal information in relation to the aforementioned collection accounts. 2. A detailed explanation of the steps taken by your agency to verify the accuracy and completeness of the information provided by the original creditors, specifically with regards to the validity of the debts and XXXX XXXX XXXX obligation to pay. XXXX. Copies of all correspondence, including letters, emails, or any other form of communication, sent to XXXX XXXX regarding these collection accounts. Failure to provide the requested documentation within the specified timeframe may result in legal action to protect XXXX XXXX XXXX rights under the FCRA and other applicable laws. This could include seeking damages for any violations and reporting non-compliance to the appropriate regulatory authorities. To ensure accurate and timely communication, please direct all correspondence regarding this matter to the undersigned at the address provided above. I expect your prompt attention to this dispute and request, as the law mandates swift resolution of consumer credit issues. Thank you for your immediate attention to this matter. I look forward to receiving the requested documentation and resolving this dispute in a fair and lawful manner. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX
Frequently Asked Questions
What is Complaint #7226479 about?
Complaint #7226479 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-07-09T12:00:00-05:00.
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.