Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the collection tradeline furnished by XXXX XXXX XXXX XXXX as inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ). The tradeline details currently reported include : Furnisher : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) Date Opened : XX/XX/XXXX Responsibility : Joint Account Balance : {$1000.00} Original Creditor Listed : XXXX XXXX XXXX  Why the Reporting Is Inaccurate and Misleading XXXX  is not the original creditor and has not proven ownership of this debt. Reporting as if XXXX owns the account is misrepresentation. 

The tradeline falsely indicates an open date of XX/XX/XXXX and joint responsibility, which does not match the original creditors records. 

The balance and history are inconsistent with any statements from the original creditor. 

XXXX has never sent me an initial written notice under XXXX XXXX. XXXX ( a ) as required for debt XXXX. Reporting without this deprived me of my right to timely dispute. 

FCRA Violations XXXX ( a ) Failure to conduct a reasonable reinvestigation. 

XXXX ( a ) ( XXXX ) ( B ) ( iii ) Failure to provide a method of verification. 

XXXX ( b ) Failure to assure maximum possible accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX CRA XXXX not rely solely on a furnishers verification and must conduct an independent, reasonable reinvestigation. 

XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Furnishers and CRAs share responsibility for ensuring accurate reporting. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Failure to obtain actual documentation of the debt is an unreasonable reinvestigation. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Misrepresentation of authority or ownership violates the FDCPA. 

XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Inaccurate reporting of the creditors identity violates the FCRA. 

FTC XXXX XXXX XXXX ( XXXX, XXXX ) A collector can not report as a creditor unless it owns the debt. 

Demand for Detailed XXXX XXXX XXXX Please provide, for each CRA and XXXX XXXX : Who verified this tradeline ( name, title, and employer ). 

When the verification occurred ( specific dates ). 

Where the verification was performed ( location or system used ). 

How the verification was performed ( documents reviewed, databases accessed, procedures followed ). 

Why you believe XXXX has a legal right to furnish this tradeline as a creditor. 

Chain of Custody and Documentation Requested Require XXXX XXXX to provide : Bills of sale, assignments, and forward flow agreements showing every transfer of ownership from the original creditor to XXXX. 

Any servicing agreement authorizing XXXX to report if it does not own the debt. 

The original signed agreement allegedly binding me. 

A complete, itemized accounting of the balance, including interest, fees, and payments. 

Requested XXXX Provide the full method of verification and all documentation listed above. 

If XXXX can not validate ownership and rights, delete this tradeline from my credit file immediately. 

Confirm in writing your compliance with XXXX ( b ) and XXXX. 

Failure to comply will leave me no choice but to pursue legal remedies under the FCRA and any applicable state laws.

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 explanation