Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX XX/XX/XXXX To : TRANSUNION Subject : FORMAL DEMAND FOR VALIDATION OF DEBTS, DELETION OF UNVERIFIED ACCOUNTS, AND REMOVAL OF UNAUTHORIZED INQUIRIES Dear TRANSUNION Dispute Department, This letter serves as a formal notice and demand under the Fair Credit Reporting Act ( 15 U.S.C. XXXX et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX et seq. ) for the immediate validation and verification of specific accounts and inquiries appearing on my XX/XX/XXXX credit report under my personal information. 

I am disputing the accuracy, validity, and legal standing of the following reported accounts : In addition, I am disputing the following unauthorized credit inquiries, which were conducted without my written authorization or permissible purpose as required by 15 U.S.C. XXXXb : XX/XX/XXXXBANK/XX/XX/XXXX DEMAND FOR VALIDATION AND DOCUMENTATION XXXX AND ASSOCIATES XXXXXX/XX/XXXXXXXX {$650.00} Pursuant to 15 U.S.C. XXXX ( a ) ( FCRA ) and 15 U.S.C. XXXX ( b ) ( FDCPA ), I hereby demand thatXX/XX/XXXX and all furnishers of information provide complete, verifiable documentation establishing the validity of the above accounts and inquiries. Specifically, I am requesting : Full account-level documentation, including original contracts, applications, and/or agreements bearing my wet-ink signature that prove I entered into a financial relationship with the alleged creditor. 

Itemized accounting records, showing all charges, payments, interest, and fees leading to the reported balance. 

Proof of ownership and assignment, showing the chain of title of the alleged debt from the original creditor to any third-party collector or reporting entity. 

Proof of permissible purpose for each credit inquiry listed above under 15 U.S.C. XXXXb, including a copy of any signed authorization allegedly allowing access to my credit file. 

Name, address, and license number of any debt collector or third-party company claiming the right to report or collect on my account within the XX/XX/XXXX of Virginia. 

Date of last payment and date of first delinquency, as required for compliance with FCRA XXXX ( a ) ( XXXX ). 

Method of verification, if XX/XX/XXXXobtained information from the creditor electronically, including contact name, date, and supporting evidence used to verify the item. 

If XX/XX/XXXXor the furnishers can not provide full and verifiable documentation withinXX/XX/XXXX days, you are legally obligated under FCRA XXXX ( a ) ( XXXX ) to delete these accounts and inquiries from my file immediately. 

NOTICE OF RIGHTS AND POTENTIAL VIOLATIONS Any continued reporting of unverified or inaccurate information constitutes willful noncompliance under 15 U.S.C. XXXXn, subjecting all parties involved to civil liability, statutory damages, and attorneys fees. 

Any attempt by a debt collector to pursue collection activities without validation violates 15 U.S.C. XXXX ( b ) and may result in additional action under FDCPA XXXX. 

IfXX/XX/XXXX fails to properly investigate or re-reports deleted information without proper notice under FCRA XXXX ( a ) ( XXXX ) ( B ), this will be considered a re-aging violation and actionable under federal law. 

ACTION REQUESTED Conduct a full reinvestigation of the disputed items listed above. 

Provide written verification and all requested documentation. 

Remove and permanently delete all unverifiable or unauthorized accounts and inquiries from my credit file. 

Provide written confirmation of the outcome withinXX/XX/XXXX days of receipt of this notice. 

IfXX/XX/XXXX and/or the furnishers fail to comply with federal law, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), theXX/XX/XXXX Attorney General, and the Federal Trade Commission ( FTC ), as well as pursuing legal remedies for violations of the FCRA and FDCPA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Date of Birth : XX/XX/XXXX SSN : 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 non-monetary relief