Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8843219
Complaint Overview
Complaint ID: 8843219
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: Arizona
ZIP Code: 85711
Date Received: 2024-04-23T12:00:00-05:00
Date Sent to Company: 2024-04-23T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have recently filed for a validation of debt from Transunion and XXXX XXXX XXXX for a debt that was placed on my credit report. I received a letter from Transunion today stating the debt was verified without the validation documents deeming what was used to verify this debt. This debt was opened per Transunion on XX/XX/XXXX. This debt was also posted to my credit file on XX/XX/XXXX per Transunion report. At what valid time did this agency contacted the consumer to validate rather the debt is theirs or not. This agency just inserted information on a report the same day the account was opened so there is no way this agency or the collection agency contacted me the consumer which is a CLEAR violation of FCRA LAWS. Secondly, the collection agency posted the debt owed was {$600.00} XX/XX/XXXX. Today, the collection agency posted debt owed {$540.00}. There is no documentation of myself making ANY payment to this company. There is no documentation of payment received on this report even though the balance decreased. There are so many RED FLAGS of discrepancies yet Transunion validated this item. HOW? I do not owe XXXX XXXX XXXX and will NOT pay someone without a binding contract of debt owed. This is the reason i asked for validation because i know i do not owe this company. I have NO contract or any relationship with this company. I also still of today received NO VALIDATION OF DEBT ater involving this company CFPB on XXXX XXXX, XXXX. It is now XX/XX/XXXX and still neither Transunion or XXXX XXXX XXXX provided this information 60 days later upon asking. Please delete this account as i will NOT pay it. XXXX. XX/XX/XXXX i filed a complaint with the CPFB against Transunion and XXXX XXXX XXXX. CPFB gave the companies 60 days to respond. XXXX XXXX XXXX did NOT respond. Transunion responded today XX/XX/XXXX that the account with XXXX XXXX XXXX was verified as accurate without providing validation of debt as asked. XXXX. 30 days later after my dispute, XXXX XXXX XXXX was deleted from my transunion credit file on XX/XX/XXXX. XXXX weeks later On XX/XX/XXXX XXXX XXXX XXXX was re-inserted on my credit report without any notice from this bureau or XXXX XXXX XXXX. When re-inserting data back onto someone credit report you have 5 days to give notice as to why this re-insertion appeared back on the consumer report. I have yet to even received validation of debt, and i for sure didn't receive a notice of re-insertion of debt back onto credit profile. XXXX The timeframe given by the CFPB to provide validation has passed. I have yet to receive ANY information at ALL from TransUnion validating this debt. I ONLY received a secure message that the account was verified. I have received NO notice of re-insertion of debt. NOTHING,,,,,,,, I have pulled this account and have attached my rebuttal for review. Now i think it's time to move forward with legals because i am not receiving validation as i can legally ask and it should have already been provided. 60 days is a long time to give someone for validation. Yet, i have not received it.
Frequently Asked Questions
What is Complaint #8843219 about?
Complaint #8843219 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 2024-04-23T12:00:00-05:00.
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.