Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
EXECUTOR OFFICE XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX. # XXXX XXXX XXXX, Michigan [ XXXX ] United States XXXX XXXX XXXX XXXX  Date : Done in the Light of Day Twentieth Day of XXXX XXXX XXXX XXXX  TO : XXXX  XXXX Solutions and TransUnion XXXX XXXX Formal XXXX and Demand for Immediate Reinvestigation and Deletion XXXX XXXX XXXX XXXXXXXX I. FORMAL NOTICE OF DISPUTE AND RESERVATION OF RIGHTS This correspondence constitutes a formal and legally cognizable dispute pursuant to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ), and 15 U.S.C. 1601 et seq. of the Truth in Lending Act ( TILA ). The subject tradeline attributed to XXXX XXXX  is hereby challenged in toto as factually inaccurate, legally defective, and materially misleading. 

The disputed account is being furnished in a manner inconsistent with both statutory mandate and regulatory obligations, including the accurate and complete reporting requirements imposed under 15 U.S.C. 1681s-2 ( b ). The continued publication of false, incomplete, or commingled data constitutes a reckless disregard of statutory duty. 

XXXX. STATEMENT OF FACTS XXXX. The referenced account was initially marketed as a credit builder product, allegedly opened in XXXX. 
XXXX. The account was closed on or about XX/XX/XXXX, with no ongoing credit extension, rendering further delinquency reporting legally impermissible. 
XXXX. Furnisher has admitted involvement of potential fraud during a CFPB proceeding dated XX/XX/XXXX. 
XXXX. Notwithstanding these admissions, Experian continues to report XXXX and late payment derogatories on an inactive account for approximately XXXX years, resulting in ongoing consumer harm and credit profile degradation. 
XXXX. No competent verificationsuch as a signed instrument, valid loan agreement, or itemized accountinghas been produced. 

XXXX. STATUTORY VIOLATIONS A. Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Violation of 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

Violation of 1681s-2 ( b ) : Furnishing information after notice of dispute without lawful verification.

Violation of 1681e ( b ) : Failure to assure maximum possible accuracy of the information reported.

Violation of 1681c ( a ) ( 4 ) : Reporting obsolete or stale derogatory data after account closure.

B. Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) Misrepresentation of account status post-closure. 
Deceptive concealment of balance validation and disclosure obligations. 
Failure to provide accurate periodic disclosures following termination of credit extension. 

XXXX Fair Debt Collection Practices Act ( XXXX5 U.S.C. 1692 et seq. ) 1692e ( 2 ) ( A ) : Misrepresenting the legal status of the debt.

1692e ( 8 ) : Communicating credit information known or should be known to be false.

1692f : Employing unfair and unconscionable means to collect or coerce payment. 

IV. LEGAL EFFECT AND DEMAND FOR CURE You are hereby given actual notice that : Account reporting lacking verified contractual nexus constitutes actionable publication of false credit information ; Failure to delete or correct inaccurate tradelines after notice creates private rights of action under 15 U.S.C. 1681n and 1681o ; The continued reporting of an invalid, fraudulent, or obsolete account subjects all partiesfurnishers and credit reporting agencies aliketo statutory and treble damages, attorneys fees, injunctive relief, and potential punitive sanctions. 

DEMAND IS HEREBY MADE for : XXXX. Complete deletion of the XXXX XXXX  XXXX within the statutory period of 30 days ; XXXX. Issuance of a corrected consumer disclosure reflecting deletion ; XXXX. Transmission of corrected information to all parties to whom the erroneous data has been furnished within the prior 24 months ( per 15 U.S.C. 1681i ( d ) ) ; XXXX. Written confirmation of compliance. 

V. RESERVATION OF RIGHTS Nothing contained herein shall be construed as a waiver of any substantive or procedural rights, whether in law, equity, or contract. The undersigned expressly reserves the right to pursue all civil remedies including but not limited to an action for damages, declaratory relief, and injunctive relief in the XXXX XXXX XXXX. 

Respectfully and without prejudice, Executor, XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Executor Office Enclosures : CFPB Complaint Record and Company Admission XXXX Complaint Acknowledgment Payment Ledger & Account Documentation Government Identification Notarized Affidavit of Truth and Non-Consent

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