Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9923840
Complaint Overview
Complaint ID: 9923840
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: New York
ZIP Code: 11727
Date Received: 2024-08-25T12:00:00-05:00
Date Sent to Company: 2024-08-25T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX2024 TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Regarding Unauthorized Charge-Off [ TransUnion File Number : XXXX or Social Security Number : XXXX ] To Whom It May Concern, This letter is a formal demand to remove an erroneous charge-off from my TransUnion credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Truth in Lending Act ( XXXX ). Upon reviewing my credit report, I have identified the following charge-off, which is inaccurately reported : Creditor Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/XXXX ] Under 15 U.S.C. 1681e ( b ), credit reporting agencies are legally obligated to maintain accurate information on credit reports. The charge-off in question is not only inaccurate but also appears to be an erroneous entry for which I have received no valid notice or proof of accuracy from the creditor. As such, this charge-off is in violation of federal law and is causing significant harm to my creditworthiness. Furthermore, under XXXX, 15 U.S.C. 1601 et seq., creditors are required to provide clear, accurate disclosures of account activity, including any actions that would result in a charge-off. I have not received proper disclosure, nor did I receive any legitimate notice in accordance with XXXX guidelines regarding this account. Therefore, I am formally disputing this charge-off and demanding that TransUnion take immediate corrective action by removing this erroneous entry from my credit report. If TransUnion does not remove this inaccurate charge-off within the time frame mandated by the FCRA, I will not hesitate to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, I will seek legal remedies as outlined in 15 U.S.C. 1681n for willful noncompliance with the FCRA, including seeking compensation for damages caused by this inaccurate reporting. I expect written confirmation of the removal of this charge-off from my credit report, as well as a copy of my updated credit report, within XXXX days of receipt of this letter. TransUnion has an obligation under federal law to ensure that all information on my credit report is accurate, verifiable, and reported in compliance with both the FCRA and XXXX. I expect immediate action to rectify this violation of my rights.
Frequently Asked Questions
What is Complaint #9923840 about?
Complaint #9923840 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 2024-08-25T12:00:00-05:00.
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.