Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Account No. XXXX * * Alleged Collection Account ( Original Creditor : XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX | Reported Balance : {$250.00} Notice of Formal Dispute and Demand for Permanent Deletion Under the FCRA and FDCPA To Whom It May Concern : This letter serves as my formal notice under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) regarding the above-referenced account that your company is furnishing to the credit reporting agencies. 

On or about XX/XX/XXXX, this account was reported by the credit bureau as verified and updated. I dispute that finding and hereby demand immediate action to remove or correct this item, as your continued reporting appears to violate federal law for the reasons outlined below. 
1. Failure to Provide Proper Verification Under FDCPA 809 ( b ), you are required to cease all collection and reporting activities until you provide proper verification of the alleged debt, including a complete accounting and proof that I am legally obligated. To date, you have provided no such validation. Reporting a debt without validation constitutes a violation of FDCPA 807 ( 8 ) ( false representation of credit information ).

2. Failure to Maintain Maximum Possible Accuracy Under FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ), furnishers of credit information must ensure that any data they report is complete and accurate. Your continued reporting after my dispute, without furnishing documentary evidence of validation, demonstrates noncompliance with these provisions. 

XXXX. Possible Re-Aging or Misreporting The updated activity date reported on or about XX/XX/XXXX, materially changes the age of the account and may constitute re-aging in violation of FCRA 623 ( a ) ( 5 ) and 15 U.S.C. 1681s-2 ( a ) ( 2 ). Re-aging a debt to make it appear newer is a serious violation of federal law.

Demand for Deletion Because you have failed to provide verifiable proof that this account is valid, complete, and accurately reported, I hereby demand that you permanently delete this account from all consumer reporting agencies to which you furnish data. If you believe the account is valid, provide the following within 15 days : A full copy of the original signed agreement or contract bearing my signature ; A complete account history and payment ledger ; Documentation of your ownership or assignment of the alleged debt ; and Proof that the item is being reported in full compliance with FCRA and FDCPA requirements.

Absent such documentation, continued reporting will be deemed willful noncompliance under FCRA 616, entitling me to pursue all available remedies, including formal complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and New York State Attorney General. 

Conclusion This is not a refusal to pay, but a demand that you fulfill your statutory obligations before further reporting or collection activity. I expect written confirmation of deletion or documented validation within 15 days of receipt of this letter. 

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