Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Final FTC Complaint Notice Inaccurate Credit Reporting, Failure to Validate, and Misleading Bureau Activity Dear XXXX XXXX XXXX and XXXX XXXX XXXX, This letter serves as an official notice that I have filed an FTC Identity Theft and Fraud Report regarding your companies conduct, specifically your failure to provide legally required debt validation and your continued furnishing of incomplete and misleading information to credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Despite my formal written requests for debt validation, you have : Failed to provide any proof of the alleged debt, including original contracts, itemized balances, or legal assignment documents. 
Continued to report these unverifiable accounts to XXXX, while falsely showing they are also reported to XXXX  and TransUnion. 
Created inconsistencies between your reporting and my official reports from XXXX, where these accounts do not appear on all three bureaus as claimed. 

These actions constitute willful noncompliance under federal law : Violations of the Fair Credit Reporting Act ( FCRA ) : 607 ( b ) : Failure to ensure maximum possible accuracy of information furnished 623 ( a ) ( 1 ) ( A ) : Providing incomplete or inaccurate information 623 ( a ) ( 3 ) : Failure to mark the account as disputed after written notice 611 ( a ) : No evidence of a reasonable reinvestigation Violations of the Fair Debt Collection Practices Act ( FDCPA ) : 809 ( b ) : No validation of the debt after written request 807 ( 8 ) : Misleading credit reporting XXXX  : Using unfair or deceptive means to collect without verification In addition, I have filed an FTC Identity Theft Report against your companies based on your failure to validate, your deceptive credit reporting behavior, and your violation of my consumer rights under federal law. Your actions may also fall under Section 5 of the FTC Act, which prohibits unfair and deceptive business practices.

Final Demand : You have 4 business days from the date of receiving this notice to delete these accounts from all credit bureaus. If you fail to comply, I will : Report your company to the Consumer Financial Protection Bureau ( CFPB ) Submit complaints to the XXXX  Attorney Generals Office Retain legal counsel to pursue civil damages under FCRA and FDCPA I am not requesting a correction I am demanding full deletion of these unverifiable and misleading accounts from all credit reporting agencies. You are legally required to cease collection and reporting unless the accounts can be properly verified and legally validated. 

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 explanation