Consumer complaint received 2025-08-06 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:
To : TransUnion LLC XXXX. XXXX XXXX XXXXXXXX, PA XXXX AND XXXX XXXX XXXX XXXX [ Collection Agency Address ] Subject : Formal Dispute and Debt Validation Demand XXXX XXXX XXXX XXXX {$420.00} To Whom It May Concern, This letter serves as both : A formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate collection account reported by XXXX XXXX XXXX XXXX in the amount of {$420.00} on my TransUnion credit file ; and A debt validation demand under the Fair Debt Collection Practices Act ( FDCPA ). 
I. DISPUTE UNDER THE FAIR CREDIT REPORTING ACT The following laws apply : 15 U.S.C. 6802 You are prohibited from disclosing my nonpublic personal information without my consent.
15 U.S.C. 1681b ( 2 ) You must have my written permission to obtain and report my consumer report.

15 U.S.C. 1692c ( c ) You must cease all collection communications upon my written request.

15 U.S.C. 1681b You may only access or use my credit report for a permissible purpose.

31 U.S.C. 5118 Legal tender obligations can not be enforced in a manner inconsistent with federal statutes.

15 U.S.C. 1637 ( b ) All charges must be properly disclosed and itemized. 
This account is inaccurate, unverified, and is damaging my creditworthiness. Under FCRA 611 [ 15 U.S.C. 1681i ], you are required to conduct a reinvestigation and delete this account if it can not be verified with a legitimate, permissible purpose by a licensed data furnisher.

Additionally, XXXX XXXX XXXX XXXX is not licensed to collect debts in the State of California under the XXXX XXXX XXXX XXXX  ( XXXX  ). Reporting or attempting to collect this debt in California without the required license is a direct violation of both state and federal law, and any continued reporting is unlawful. 

II. DEBT VALIDATION DEMAND UNDER THE FAIR DEBT COLLECTION PRACTICES ACT Under FDCPA 809 [ 15 U.S.C. 1692g ], you are required to provide : The original creditors name and address ; The complete accounting of the alleged debt, including interest and fees ; A copy of the original signed agreement creating the debt ; A copy of the assignment contract showing XXXX XXXX XXXX XXXX legal right to collect this debt ; A copy of the forward flow agreement or bill of sale showing chain of title from the original creditor to your company ; Proof that you are licensed to collect debts in California ( provide XXXX license number ). 
Until you provide the above, you must cease all collection activity, including reporting to any credit reporting agency, under FDCPA 805 ( c ) [ 15 U.S.C. 1692c ( c ) ].

III. DEMAND FOR ACTION TransUnion : Delete the XXXX XXXX XXXX XXXX account from my credit file immediately. 
XXXX XXXX XXXX XXXX : Provide full validation of this debt as required by law or delete all references to it from all consumer reporting agencies. 
Failure to comply within the required 30-day period will result in immediate complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and the California Department of Financial Protection and Innovation ( DFPI ), as well as civil litigation for violations of the FCRA and FDCPA. 
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