Consumer complaint received 2025-07-06 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: NJ

Complaint narrative:
Dear XXXX, I am writing to formally dispute the following collection accounts reported on my credit file, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

Disputed Accounts : XXXX XXXX XXXX Account Number : XXXX Balance : {$720.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$540.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$240.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX ( last digits masked for privacy ) Date Opened : XX/XX/XXXX Status : Closed Balance : {$130.00} Last Payment : XX/XX/XXXX High Balance : {$330.00} Account closed at credit grantors request Basis for Dispute and Additional Context : The XXXX XXXX account was not authorized by me and was opened after my personal information was exposed during the Equifax data breach. I did not initiate or consent to this account, and I believe it is an unauthorized account reported on my credit report.

Under the FCRA ( 15 U.S.C. 1681i ), I am exercising my right to dispute this account as potentially fraudulent, and I request an immediate investigation and validation of this account, including : Verification that I authorized this account.

Documentation proving that I personally opened or authorized this account.

Confirmation that this account is accurate, complete, and verified.

Furthermore, under the FDCPA ( 15 U.S.C. 1692g ), if this account is found to be unauthorized or fraudulent, it must be deleted from my credit report.

Legal and Rights Violations : Unauthorized Account : * Reporting an account I did not authorize violates my rights under the * FCRA * and * FDCPA * *.

Inaccurate Reporting : * If verified as fraudulent, this account must be removed under * 15 U.S.C. 1681i * *.

Fraudulent Activity : * * My identity may have been compromised ; I request that this be treated as a potential case of identity theft.

Request for Action : Conduct a thorough investigation into the validity of this account.

Provide documentation proving my authorization or ownership of this account.

Remove the account if verification can not be provided or if it is confirmed to be fraudulent. I would like proof of documentation to show that these collection companies can collect debt in my state of New Jersey.

Please respond within 30 days of receipt of this dispute with the results of your investigation and any documentation supporting the validity of the account.

Thank you for your prompt attention to this matter. I look forward to your confirmation that this account has been properly investigated and, if necessary,

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