Consumer complaint received 2025-07-22 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: AL

Complaint narrative:
b'I am writing to formally dispute the accuracy of these account reported on my credit report byXXXX XXXX\nAccount number XXXX XXXX XXXX\nAccount number XXXX , and to request the deletion of additional inaccurate items from my file.\n\nIn addition to disputing the account , I am also requesting the immediate deletion of other items that appear on my report as a result of identity theft. I am a victim of identity theft and did not authorize or make the charges associated with these accounts. I have reported this identity theft to the Federal Trade Commission (FTC) and have enclosed a copy of the FTC Identity Theft Affidavit for your review.\n\nIn addition to disputing the Inquiries listed below \n\nPlease delete all items related to this identity theft as soon as possible to correct my credit report. The specific items I need deleted are listed in the enclosed report.\n\nWith respect to the repossession account, I assert that [Creditor Name] violated applicable state consumer protection laws and the Uniform Commercial Code (UCC) when repossessing my vehicle. Specifically:\n\nThe creditor failed to provide a required notice of default or rights to cure prior to repossession, depriving me of the opportunity to bring the account current as required under state law.\n\nAfter repossession, I was never provided with a notice of sale or a deficiency balance as required by UCC  9-611 and 9-614, preventing me from redeeming the vehicle or understanding the amount allegedly owed.\n\nThe account is being reported inaccurately and without proper verification, in violation of the Fair Credit Reporting Act (15 U.S.C.  1681s-2).\n\nBecause of these failures, I respectfully demand that you:\n\nConduct a full investigation as required under the Fair Credit Reporting Act.\n\nObtain and provide me with documentation from the creditor verifying the accuracy and completeness of this account.\n\nDelete all inaccurate, unverifiable, and fraudulent accounts, including the repossession account and any accounts associated with identity theft.\n\nPlease complete your investigation within 30 days as required by law and send me written confirmation of the outcome, along with an updated copy of my credit report.\n\nAttached, please find copies of the following:\n\nMy government-issued ID and proof of address\nXXXX XXXX XXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Bank Credit Cards\n\nXXXX XXXX XXXX\n\nXXXX XXXX,XXXX\n\n(702) 269-1000\n\nThis inquiry is scheduled to continue on record until XXXX XXXX\n\nXXXX XXXX XXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Automobile Dealers, Used\n\nXXXX XXXX XXXX\n\nXXXX\n\nXXXX XXXX\n\nThis inquiry is scheduled to continue on record until XXXX XXXXn\nXXXX XXXX XXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Auto Financing Companies\n\nXXXX XXXX XXXX\n\nXXXX\n\nXXXX XXXX\n\nThis inquiry is scheduled to continue on record until XXXX XXXX\n\nXXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Auto Financing Companies\n\nXXXX XXXX XXXX\n\nXXXX XXXX\n\nXXXX XXXX\n\nThis inquiry is scheduled to continue on record until XXXX XXXXn\nXXXX XXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Auto Financing Companies\n\nXXXX XXXX XXXX XXXX\n\XXXX,XXXX\n\nBy mail only\n\nThis inquiry is scheduled to continue on record until XXXX XXXX\n\nXXXX XXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Auto Financing Companies\n\nXXXX XXXX XXXX XXXX XXXX\n\nXXXX\n\nXXXX XXXX\n\nThis inquiry is scheduled to continue on record until XXXX XXXX\n\nXXXX XXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Auto Financing Companies\n\nXXXX XXXX XXXX XXXX XXXX\n\nXXXX\n\nXXXX  XXXX\n\nThis inquiry is scheduled to continue on record until XXXX XXXX\n\nXXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Auto Financing Companies\n\nXXXX XXXX XXXX\n\nXXXX XXXX\n\nXXXX XXXX\n\nThis inquiry is scheduled to continue on record until XXXX XXXX\n\nXXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Auto Financing Companies\n\nXXXX XXXX XXXX XXXX XXXX\n\nXXXX\n\nXXXX XXXX\n\nThis inquiry is scheduled to continue on record until XXXX XXXX\n\nXXXX XXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Automobile Dealers, Used\n\nXXXX XXXX XXXX\n\nXXXX\n\nXXXX XXXX\n\nThis inquiry is scheduled to continue on record until XXXX XXXX\n\nXXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Automobile Dealers, Used\n\nXXXX XXXX XXXX XXXX XXXX\n\nXXXX\n\n(XXXX XXXX\n\nThis inquiry is scheduled to continue on record until XXXX XXXX\n\nXXXX XXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Auto Financing Companies\n\nXXXX XXXX XXXX XXXX\n\nXXXX\n\nBy mail only\n\nThis inquiry is scheduled to continue on record until XXXX XXXX\n\nXXXX XXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Auto Financing Companies\n\nXXXX XXXX XXXX XXXX XXXX\n\nXXXX\n\n(XXXX XXXX\n\nThis inquiry is scheduled to continue on record until XXXX XXXX\n\nXXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Auto Financing Companies\n\nXXXX XXXX XXXX\n\nXXXX\n\nXXXX XXXX\n\nThis inquiry is scheduled to continue on record until XXXX XXXX\n\nXXXX XXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Automobile Dealers, New\n\nXXXX XXXX XXXX\n\nXXXX\n\n(XXXX XXXX\n\nThis inquiry is scheduled to continue on record until XXXX XXXX\n\nXXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Auto Financing Companies\n\nXXXX XXXX XXXXn\nXXXX\n\nXXXX XXXX\n\nThis inquiry is scheduled to continue on record until XXXX XXXX\n\nXXXX/XXXX XXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Automobile Dealers, Used\n\nXXXX XXXX XXXX XXXX\n\nXXXX\n\nXXXX XXXX\n\nThis inquiry is scheduled to continue on record until XXXX XXXX\n\nXXXX XXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Bank Credit Cards\n\nXXXX XXXX XXXX\n\nXXXX XXXX XXXX\n\nXXXX XXXX\n\nThis inquiry is scheduled to continue on record until XXXX XXXX\n\nXXXX XXXX XXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Automobile Dealers, Used\n\nXXXX XXXX XXXX\n\nXXXX\n\nXXXX XXXX\n\nThis inquiry is scheduled to continue on record until XXXX XXXX\n\nXXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Auto Financing Companies\n\nXXXX XXXX XXXX XXXX XXXX XXXX\n\nXXXX\n\nXXXX XXXXn\nThis inquiry is scheduled to continue on record until XXXX XXXX\n\nXXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Auto Financing Companies\n\nXXXX XXXX XXXX\n\nXXXX\n\nXXXX XXXX\n\nThis inquiry is scheduled to continue on record until XXXX XXXX\n\nXXXX XXXX XXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Auto Financing Companies\n\nXXXX XXXX XXXX\n\nXXXX\n\nXXXX XXXX\n\nThis inquiry is scheduled to continue on record until XXXX XXXX\n\nXXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Automobile Dealers, Used\n\nXXXX XXXX XXXX XXXX XXXX\n\nXXXX\n\nXXXX XXXX\n\nThis inquiry is scheduled to continue on record until May 2026\n\nXXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Auto Financing Companies\n\nXXXX XXXX XXXX\n\nXXXX XXXX\n\n(XXXX XXXX\n\nThis inquiry is scheduled to continue on record until XXXX XXXX\n\nXXXX XXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Auto Financing Companies\n\nXXXX XXXX XXXX XXXX XXXX\n\nXXXX\n\nXXXX XXXX\n\nThis inquiry is scheduled to continue on record until XXXX XXXX\n\nXXXX XXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Auto Financing Companies\n\nXXXX XXXX XXXX XXXX XXXX\n\nXXXX\n\nXXXX XXXX\n\nThis inquiry is scheduled to continue on record until XXXX XXXXn\nIR/XXXX XXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Mortgage Companies\n\nXXXX XXXX XXXX XXXX XXXX\n\nXXXX XXXX\n\nXXXX XXXX\n\nThis inquiry is scheduled to continue on record until XXXX XXXXn\nXXXX XXXX\nInquired on XXXX XXXX XXXX\n\nBusiness Type: Bank Credit Cards\n\nXXXX XXXX XXXXn\nXXXX\n\nXXXX XXXX\n\nThis inquiry is scheduled to continue on record until XXXX XXXX\n\nThe FTC Identity Theft Affidavit'

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