Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX NOTICE OF DISPUTE UNAUTHORIZED SETOFF | FRAUD INVESTIGATION FAILURE | FCRA VIOLATIONS From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Michigan XXXX To : XXXX XXXX XXXX XXXX Attn : Credit Reporting/ Legal / Dispute Resolution Re : Unauthorized Seizure of Funds, Fraud Investigation Failure, and Inaccurate Credit Reporting Account : [ Insert Account / last 4 digits ] FORMAL SECOND DISPUTE NOTICE OF NON-COMPLIANCE This letter serves as my SECOND FORMAL DISPUTE and notice of continued violations relating to : 1. Unauthorized seizure of my paycheck 2. Failure to investigate reported fraud 3. Inaccurate and unverified credit reporting Despite prior notice, XXXX XXXX has failed to correct these violations. 1 UNAUTHORIZED SEIZURE OF FUNDS ( SET-OFF ) XXXX XXXX seized funds from my account, including my paycheck, without : Prior notice My authorization Any lawful court order Any acknowledgment or explanation This constitutes an unauthorized setoff and raises serious legal concerns, including : * Lack of contractual authority * No opportunity to dispute * Improper taking of wages I DEMAND : * Documentation authorizing this setoff * The specific contractual provision relied upon * Full accounting of all funds seized * Immediate return of improperly taken funds 2 FAILURE TO INVESTIGATE FRAUD ( EFTA VIOLATIONS ) I previously reported fraudulent activity on my account. XXXX XXXX has failed to : Conduct a reasonable investigation Provide findings Issue provisional credit ( if applicable ) Provide written determination This violates the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ), including : * Failure to meet investigation timelines * Failure to provide required disclosures 3 INACCURATE CREDIT REPORTING XXXX XXXX continues to furnish inaccurate information by : * Reporting a balance that does not reflect seized funds * Failing to update account status * Reporting disputed data as accurate This violates : * 15 U.S.C. 1681s-2 ( a ) * 15 U.S.C. 1681s-2 ( b ) * 15 U.S.C. 1681e ( b ) ( Maximum Accuracy Standard ) Reporting a balance while seizing funds without updating = materially misleading reporting 4 FAILURE TO CONDUCT A REASONABLE INVESTIGATION Your prior response ( or lack thereof ) indicates : No meaningful investigation No document review No reconciliation of balances A lawful investigation requires : Review of account records Examination of fraud claims Verification of setoff authority Accurate balance reconciliation Automated responses do NOT meet FCRA standards 5 DEMAND FOR DOCUMENTATION Provide the following : 1. Full account ledger ( inception present ) 2. Documentation supporting setoff authority 3. Internal notes regarding fraud investigation 4. Proof of verification of tradeline 5. Method of verification used 6. Updated and corrected account balance 6 DEMAND FOR IMMEDIATE ACTION Within the statutory timeframe, XXXX XXXX must : Correct or DELETE inaccurate reporting Conduct lawful fraud investigation Return improperly seized funds Provide written confirmation 7 NOTICE OF LIABILITY Failure to comply will result in enforcement action for : * FCRA violations ( 15 U.S.C. 1681n & 1681o ) * EFTA violations ( 15 U.S.C. 1693m ) * State law claims ( conversion / unlawful taking ) I will seek : * Statutory damages * Actual damages * All available legal remedies FINAL NOTICE This letter serves as formal pre-litigation notice. All rights reserved. No waiver. Sincerely, XXXX XXXX XXXX, Executor

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