Consumer complaint received 2025-03-18 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:
I am submitting a formal complaint regarding errors and inconsistencies in my credit report with TransUnion, XXXX, and XXXX. After reviewing my credit history, I have identified discrepancies in the information reported by the collection agency XXXX, which has negatively impacted my credit score. 

Complaint Details Transworld Account Account Number : XXXX High Balance : {$510.00} Date of Last Activity : TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX Date Reported : TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX Date Opened : TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX Account Status : Closed - Collection/Charge-off Creditor Remarks : Affected by natural disaster Issues Identified : Inaccurate and Discrepant Information : There are significant discrepancies in the reported dates of last activity and reporting dates between TransUnion, XXXX, and XXXX. These inconsistencies raise concerns about the accuracy and timeliness of the reported data. 
Unauthorized Sharing of My Information : I did not authorize this debt to be reported to these credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), information should not be shared without my explicit consent or unless legal requirements are met. 
Lack of Debt Validation and Notification : I have not received any debt validation notice from XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), creditors must provide a validation notice within XXXX days of their initial contact, which has not happened in my case. 
Negative Impact on My Credit History : Due to these errors and the possible lack of verification, my credit score has been unfairly affected. 
Requested Actions : Verification of Reported Information : I demand that TransUnion, XXXX, and XXXX provide official documentation verifying the accuracy and legitimacy of the reported data in my credit history. 
Correction or Deletion of Unverified Information : If the reported data can not be verified with concrete evidence, I request the immediate deletion of this account from my credit reports. 
Investigation into the Unauthorized Use of My Information : I request that the CFPB investigate how and why this debt was reported without my consent, ensuring that XXXX complies with privacy regulations and fair debt collection practices. 
FDCPA Compliance : I demand that XXXX send a debt validation letter as required by law, giving me the opportunity to verify its legitimacy before it continues affecting my credit. 
The discrepancies in my credit report and the lack of debt validation have caused an unfair and negative impact on my financial history. I appreciate the CFPBs intervention to ensure that these credit bureaus and the involved creditor correct these errors immediately.

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