Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XX/XX/XXXX To : [ Experian / TransUnion / Equifax ] Subject : Repossession Reporting Dispute Involving Co-Borrower Status Re : 15 U.S.C. 1681 ( a ) ( b ) ( c ) ( i ) FCRA Violations Dear [ Experian, TransUnion, & Equifax ] This is a formal dispute regarding the repossession account appearing on my credit report associated with : XXXX Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Repossession : XX/XX/XXXX I am listed as a co-borrower or authorized user, but I did not authorize this debt, repossession, or related financial decisions made by the primary borrower. Reporting this repossession under my personal credit profile violates my rights under 15 U.S.C. 1681 ( a ), ( b ), ( c ), and ( i ) of the Fair Credit Reporting Act.

1. Violation of 15 U.S.C. 1681 ( a ) : Fair and Accurate Reporting The FCRA requires that consumer reporting be fair and accurate. Including a repossession for which I had no ownership, control, or authorization is misleading and materially inaccurate.

2. Violation of 15 U.S.C. 1681 ( b ) : Protection of Consumer Privacy and Fair Treatment You are required to respect the accuracy and privacy of consumer information. As a non-responsible co-borrower or co-signer, your continued reporting of this repossession unfairly damages my credit profile and is a misuse of my private data.

3. Violation of 15 U.S.C. 1681 ( c ) : Reasonable Procedures to Ensure Maximum Accuracy You failed to use reasonable procedures to verify whether I was financially and legally responsible for the repossession. I demand immediate validation of my legal liability for the debt and repossession. If you can not verify it, you must delete this account from my file.

4. Violation of 15 U.S.C. 1681 ( i ) : Failure to Reinvestigate Disputed Information This is my formal dispute. If you fail to verify this account with complete, documented proof within 30 days, you are in violation of your legal obligations. I demand the following documentation : The original loan contract showing I was financially responsible.

Copies of repossession notices, default notices, and communications.

Assignment and authorization records showing I agreed to the repossession or debt recovery.

If such documents do not exist or can not be produced, you must immediately delete this item from my credit file under federal law.

FINAL NOTICE Be advised : failure to respond with full and accurate validation within the timeframe allowed under 15 U.S.C. 1681 ( i ) may result in legal action and complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and State Attorney Generals Office for willful noncompliance.

I demand written confirmation of deletion or investigation results within 30 days as required. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief