Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : CFPB Complaint Ref Nos. XXXX XXXX XXXX XXXX XXXX  Account Ending in XXXX Consumer : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, This letter is in response to XXXX XXXX XX/XX/year> reply to my CFPB complaints referenced above.

I respectfully dispute the continued reporting of the XXXX XXXX account ending in XXXX and assert that the documentation provided does not satisfy the legal standards for full validation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), where applicable. 

XXXX XXXX claims to have provided validation ; however : No wet-ink signature or original signed contract has been provided. An online application without a physical or verifiable signature does not meet the burden of proof for establishing legal obligation or ownership of the alleged debt.

The billing statements provided do not prove the debt is accurate, complete, or that I am responsible for it under the law. Statements alone are not validationthey are internal records that do not demonstrate the legal enforceability of the alleged debt. 

XXXX XXXX acknowledges the account is in cease-and-desist collection status, which contradicts continued aggressive credit reporting that negatively impacts my financial profile and creditworthiness.

Furthermore, if the account is being reported as valid and accurate, I formally request a detailed breakdown of the balance, interest, fees, and any penalties applied to the account, including the calculation methodology.

Under the FCRA, you are obligated to ensure that any item you furnish to a credit reporting agency is complete and accurate. If this information can not be proven with legally sufficient documentationincluding a signed agreementit must be removed from my credit file. Continuing to report unverifiable or incomplete information is a violation of FCRA and my consumer rights.

Requested Resolution : I request the removal of this account from all consumer reporting agencies due to failure to provide sufficient legal validation.

I request that a reinvestigation be opened and that XXXX XXXX be required to provide certified proof of the alleged debt, including but not limited to the original signed agreement.

If the account is not removed, I request the CFPB to compel the furnisher to produce all legally required documents and cease reporting unverifiable accounts.

Thank you for your continued attention to this matter. I am asserting my rights under the FCRA and request this account be fully investigated and removed if legal standards are not satisfied.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation