Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX Collections & Outsourcing ( FCO ) is actively violating Arizona and federal law by engaging in illegal debt collection practices within the XXXXXXXX XXXX XXXX without a valid collection agency license. 
They are not licensed under XXXX. XXXX, nor are they registered with the Arizona Department XXXX XXXX XXXX XXXX XXXX ) to conduct collections. I have attached screenshots from the following state and federal agencies confirming this : Arizona Department XXXX XXXX XXXX ( AZDFI ) Arizona XXXX of XXXX Arizona XXXX XXXX ( XXXX ) Consumer Financial Protection Bureau ( CFPB ) Despite this, XXXX is actively furnishing false tradelines to Experian, Equifax, and TransUnion, and verified inaccurate data twice following my formal disputes in direct violation of : FCRA 15 U.S.C. 1681s-2 ( b ) ( furnishing false data and failing to correct it ) FDCPA 15 U.S.C. 1692e, 1692f, 1692g ( misrepresentation, unfair practices, and failure to validate debt ) XXXX. XXXX Arizona XXXX XXXX XXXX ( misrepresentation in business practices ) A.R.S. XXXX Prohibiting unlicensed collection activity Arizona Fair Debt Collection statutes under XXXX. Title XXXX, Chapter XXXX The damage theyve caused is severe and ongoing. I am seeking regulatory action and enforcement due to : I am seeking {$150000.00} in damages resulting from Fair Collections & Outsourcings illegal actions. Their unlicensed collection activity and false credit reporting directly caused prolonged credit damage, multiple denials for housing and vehicle financing, forced reliance on high-cost alternatives, and severe emotional and financial harm. This company knowingly operated in Arizona without legal authorization, verified false data, and ignored federal and state law. 

Their excuse in a 2024 complaint that XXXX XXXX XXXX retained ownership of the debt is irrelevant under federal law. XXXX is the XXXX reporting to credit bureaus and handling data that makes them the furnisher and the collecting party. And they're doing it illegally. 
This company is a rogue actor violating consumer rights with impunity. I demand : {$150000.00} in damages Immediate deletion of the trade-line from all bureaus Full cessation of collection and reporting activity in Arizona Referral XXXX the following agencies for civil and criminal enforcement : CFPB XXXX XXXX Arizona Department XXXX XXXX XXXX XXXX XXXX ) Arizona Attorney XXXX XXXX XXXX XXXX Federal Trade Commission XXXX FTC ) XXXX of the Inspector General ( XXXX ) XXXX has XXXX business operating in Arizona. They are impersonating a legal collector and damaging consumers with full knowledge of their licensing void. They must be investigated, fined, and banned from accessing credit reporting systems. I will escalate this complaint to XXXX and the media if no action is taken.

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