Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
To Whom It May Concern : This letter is a formal dispute regarding the alleged debt you claim I owe, referenced above. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
1. Dispute and Request for Validation 15 U.S. Code 1692g Pursuant to 15 U.S. Code 1692g, I request full validation of the alleged debt, including : The name and address of the original creditor ; A detailed statement showing how the amount was calculated ; Copies of any documents that prove I agreed to assume this debt ; Proof that you are legally authorized to collect this debt in my state.

Until this debt is validated, you are required by law to cease all collection activities and reporting to credit bureaus.

2. Cease Unauthorized Communication 15 U.S. Code 1692c I hereby request that you cease all communication with me, except to provide the required validation of the debt or to inform me of specific actions you intend to take. Contacting me outside of those parameters may constitute a violation of 15 U.S. Code 1692c.

3. Inaccurate Reporting 15 U.S. Code 1681e ( b ) If this alleged debt is being reported to any credit reporting agencies, be advised that under 15 U.S. Code 1681e ( b ), furnishers of credit information are required to follow reasonable procedures to ensure maximum possible accuracy. Reporting inaccurate or unverified information may constitute a violation of the FCRA. 
If this account is currently listed on my credit report, I formally demand that it be marked as disputed in accordance with the law until a full investigation and proper validation are completed. 
Subject : Request to Block Fraudulent Information Under FCRA Section 605B I am writing to formally dispute certain information on my credit report that I believe is the result of identity theft, as outlined under Section 605B of the Fair Credit Reporting Act ( FCRA ).

The following items do not relate to any transaction I made or authorized : In accordance with FCRA Section 605B, I respectfully request that you block the reporting of the above fraudulent information from my credit report.

Enclosed are the following documents to support my claim : 1. A copy of my government-issued photo ID ( drivers license, passport, etc. ) 2. A copy of a utility bill or other document verifying my current address 3. A copy of my police report or Identity Theft Report ( as defined under the FCRA ) 4. A statement identifying the fraudulent accounts and affirming that I did not open or authorize these accounts Please confirm in writing that these accounts have been blocked from my credit file, as required under FCRA 605B, which mandates such action within four ( 4 ) business days of receiving this request.

If you require any additional information to complete your investigation, please contact me at the phone number or email listed above.

Thank you for your prompt attention to this matter. 

________________________________________ If you fail to provide proper validation or continue to report inaccurate or unverifiable information, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I may also consider pursuing legal remedies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXXXX/XX/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