Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/XXXX Phone : XXXX Email : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Re : Formal Debt Validation Demand, FCRA Reinvestigation Request, Unauthorized Inquiries, & Notice of Intent to Sue ( {$10000.00} ) APPLICABLE CREDIT LAWS/ LEGAL AUTHORITY This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including but not limited to : 15 U.S.C. 1681e ( b ) Reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Reinvestigation of disputed information 15 U.S.C. 1681i ( a ) ( 5 ) No reinsertion without certification and 5-day notice 15 U.S.C. 1681i ( a ) ( 6 ) ( 7 ) Results and method of verification disclosure 15 U.S.C. 1681b Permissible purpose required for inquiries 15 U.S.C. 1681n Civil liability for willful noncompliance 15 U.S.C. 1681o Civil liability for negligent noncompliance FACTA Amendments strengthening accuracy and consumer protections TransUnion, This letter serves as formal notice that accounts and inquiries on my credit report are inaccurate, unverified, duplicated, obsolete, reported with incorrect balances, and/or reported without permissible purpose. Immediate reinvestigation, validation, correction, and deletion are required. 

Failure to comply within the timeframe mandated by 15 U.S.C. 1681i will result in legal action seeking up to {$10000.00} in statutory, punitive, and actual damages. 

I. ACCOUNTS TO BE VALIDATED OR REMOVED Full validation required for each account listed, including : Original signed contract/application Complete payment history & ledger Chain of title ( if transferred ) Balance calculation Method of verification Metro-2 compliance records Permissible purpose documentation Date of First Delinquency ( DOFD ) Accounts XXXX XXXX Balance must be corrected to {$16000.00} XXXX XXXX ( 2 accounts ) No signed agreement XXXX  XXXX Inaccurate reporting XXXX XXXX XXXX Incomplete & improper reporting XXXX XXXX XXXX XXXX ) XXXX Bank Missing DOFD & contract XXXX XXXX XXXX XXXX ( duplicate entries ) XXXX XXXX XXXX not recognized XXXX  University/ XXXX XXXX No authorization Dept . of Education / XXXX ALL student loans ( duplicates & inaccuracies ) Unverifiable items must be deleted immediately. 

II. UNAUTHORIZED HARD INQUIRIES ( 15 U.S.C. 1681b ) The following inquiries lack permissible purpose and must be deleted if authorization can not be produced : XXXX  Univ COAF XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX III. NOTICE OF CIVIL LIABILITY INTENT TO SUE Violations support claims under 15 U.S.C. 1681n & 1681o. 
Total claim sought : Up to {$10000.00}. 

IV. REQUIRED ACTION Within statutory time limits, provide : Reinvestigation results All verification documents Updated consumer report Written deletion confirmations Method of verification details Sincerely, XXXX XXXX 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