Debt collection -- Attempts to collect debt not owed -- Complaint #9411734
Complaint Overview
Complaint ID: 9411734
Company: Transunion Intermediate Holdings, INC.
Product: Debt collection
Sub-Product: Medical debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Florida
ZIP Code: 33063
Date Received: 2024-07-02T12:00:00-05:00
Date Sent to Company: 2024-07-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB Representative, I am writing to formally lodge a complaint against TransUnion for reporting a medical collection on my credit report, which is in violation of Florida law. As a resident of Florida, I am aware that medical collections are not supposed to be reported on my credit report according to state regulations. Details of the Complaint : Name of the Credit Reporting Agency : TransUnion Date of Incident : XX/XX/XXXX Description of the Incident : Upon reviewing my credit report from TransUnion, I discovered that a medical collection account has been added to my report. This is a clear violation of Florida state law, which prohibits the reporting of medical collections on consumer credit reports. Account Details : XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX- Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} I have contacted TransUnion to dispute this matter and requested the removal of the medical collection from my credit report. However, my request has not been addressed satisfactorily, and the inaccurate information remains on my report. This erroneous entry has negatively impacted my credit score and has caused undue stress and potential financial harm. I am requesting the CFPB 's assistance in resolving this matter promptly and ensuring that TransUnion complies with Florida state law regarding the reporting of medical collections. Resolution Sought : Immediate removal of the medical collection from my TransUnion credit report. Confirmation that TransUnion will adhere to Florida law and cease reporting any medical collections on my credit report in the future. ( XXXX XXXX XXXX XXXX Any necessary corrective actions to rectify the damage caused by this inaccurate reporting. I have enclosed copies of relevant documents, including my credit report showing the disputed medical collection and any correspondence with TransUnion regarding this issue. Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue swiftly. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #9411734 about?
Complaint #9411734 was filed against Transunion Intermediate Holdings, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-07-02T12:00:00-05:00.
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 (Debt collection) 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.