Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Furnisher : Source XXXX XXXX Amount : {$620.00} | Opened : XX/XX/year> To Whom It XXXX Concern : I am writing to formally dispute the collection account being reported on my TransUnion credit file by XXXX XXXX XXXX for {$620.00}, opened on XX/XX/year>. 



This account is being reported without validation, lacks proper identification of the original creditor, and is harming my creditworthiness based on inaccurate and unverifiable information. Your continued reporting of this entry violates federal law under the Fair Credit Reporting Act ( FCRA ). 





Violations of the FCRA : XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Upon receiving a consumer dispute, the XXXX XXXX XXXX must conduct a reasonable reinvestigation. If the information can not be verified, it must be removed within XXXX  days. 

XXXX XXXX. XXXX ( b ) ( XXXX ) ( C ) A furnisher must report results of the investigation and remove or correct inaccurate data. If they do not verify this debt, TransUnion is legally obligated to delete it. 

XXXX XXXX. XXXX ( b ) TransUnion must ensure maximum accuracy. Continuing to report a debt that has no validation and minimal identifying details ( such as no original creditor, no documentation, and no proof of ownership ) is a direct violation of this section. 

CFPB XXXX XXXX Precedents : The Consumer Financial Protection Bureau ( CFPB ) has taken enforcement actions against similar furnishers and credit bureaus for unlawful reporting practices and failure to remove unverifiable debts. 

Furnisher : Source XXXX XXXX Amount : {$620.00} | Opened : XX/XX/year> To Whom It XXXX Concern : I am writing to formally dispute the collection account being reported on my TransUnion credit file by XXXX XXXX XXXX for {$620.00}, opened on XX/XX/year>. 



This account is being reported without validation, lacks proper identification of the original creditor, and is harming my creditworthiness based on inaccurate and unverifiable information. Your continued reporting of this entry violates federal law under the Fair Credit Reporting Act ( FCRA ). 





Violations of the FCRA : XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Upon receiving a consumer dispute, the XXXX XXXX XXXX must conduct a reasonable reinvestigation. If the information can not be verified, it must be removed within XXXX days. 

XXXX XXXX. XXXX ( b ) ( XXXX ) ( C ) A furnisher must report results of the investigation and remove or correct inaccurate data. If they do not verify this debt, TransUnion is legally obligated to delete it. 

XXXX XXXX. XXXX ( b ) TransUnion must ensure maximum accuracy. Continuing to report a debt that has no validation and minimal identifying details ( such as no original creditor, no documentation, and no proof of ownership ) is a direct violation of this section. 

CFPB XXXX XXXX Precedents : The Consumer Financial Protection Bureau ( CFPB ) has taken enforcement actions against similar furnishers and credit bureaus for unlawful reporting practices and failure to remove unverifiable debts. 

Furnisher : Source XXXX XXXX Amount : {$620.00} | Opened : XX/XX/year> To Whom It XXXX Concern : I am writing to formally dispute the collection account being reported on my TransUnion credit file by XXXX XXXX XXXX for {$620.00}, opened on XX/XX/year>. 



This account is being reported without validation, lacks proper identification of the original creditor, and is harming my creditworthiness based on inaccurate and unverifiable information. Your continued reporting of this entry violates federal law under the Fair Credit Reporting Act ( FCRA ). 





Violations of the FCRA : XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Upon receiving a consumer dispute, the XXXX XXXX XXXX must conduct a reasonable reinvestigation. If the information can not be verified, it must be removed within XXXX  days. 

XXXX XXXX. XXXX ( b ) ( XXXX ) ( C ) A furnisher must report results of the investigation and remove or correct inaccurate data. If they do not verify this debt, TransUnion is legally obligated to delete it. 

XXXX XXXX. XXXX ( b ) TransUnion must ensure maximum accuracy. Continuing to report a debt that has no validation and minimal identifying details ( such as no original creditor, no documentation, and no proof of ownership ) is a direct violation of this section. 

CFPB XXXX XXXX Precedents : The Consumer Financial Protection Bureau ( CFPB ) has taken enforcement actions against similar furnishers and credit bureaus for unlawful reporting practices and failure to remove unverifiable debts. 

Furnisher : Source XXXX XXXX Amount : {$620.00} | Opened : XX/XX/year> To Whom It XXXX Concern : I am writing to formally dispute the collection account being reported on my TransUnion credit file by XXXX XXXX XXXX for {$620.00}, opened on XX/XX/year>. 



This account is being reported without validation, lacks proper identification of the original creditor, and is harming my creditworthiness based on inaccurate and unverifiable information. Your continued reporting of this entry violates federal law under the Fair Credit Reporting Act ( FCRA ). 





Violations of the FCRA : XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Upon receiving a consumer dispute, the XXXX XXXX XXXX must conduct a reasonable reinvestigation. If the information can not be verified, it must be removed within XXXX XXXXays. 

XXXX XXXX. XXXX ( b ) ( XXXX ) ( C ) A furnisher must report results of the investigation and remove or correct inaccurate data. If they do not verify this debt, TransUnion is legally obligated to delete it. 

XXXX XXXX. XXXX ( b ) TransUnion must ensure maximum accuracy. Continuing to report a debt that has no validation and minimal identifying details ( such as no original creditor, no documentation, and no proof of ownership ) is a direct violation of this section. 

CFPB XXXX XXXX Precedents : The Consumer Financial Protection Bureau ( CFPB ) has taken enforcement actions against similar furnishers and credit bureaus for unlawful reporting practices and failure to remove unverifiable debts. 

Furnisher : Source XXXX XXXX Amount : {$620.00} | Opened : XX/XX/year> To Whom It XXXX Concern : I am writing to formally dispute the collection account being reported on my TransUnion credit file by XXXX XXXX XXXX for {$620.00}, opened on XX/XX/year>. 



This account is being reported without validation, lacks proper identification of the original creditor, and is harming my creditworthiness based on inaccurate and unverifiable information. Your continued reporting of this entry violates federal law under the Fair Credit Reporting Act ( FCRA ). 





Violations of the FCRA : XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Upon receiving a consumer dispute, the XXXX XXXX XXXX must conduct a reasonable reinvestigation. If the information can not be verified, it must be removed within XXXX  days. 

XXXX XXXX. XXXX ( b ) ( XXXX ) ( C ) A furnisher must report results of the investigation and remove or correct inaccurate data. If they do not verify this debt, TransUnion is legally obligated to delete it. 

XXXX XXXX. XXXX ( b ) TransUnion must ensure maximum accuracy. Continuing to report a debt that has no validation and minimal identifying details ( such as no original creditor, no documentation, and no proof of ownership ) is a direct violation of this section. 

CFPB XXXX XXXX Precedents : The Consumer Financial Protection Bureau ( CFPB ) has taken enforcement actions against similar furnishers and credit bureaus for unlawful reporting practices and failure to remove unverifiable debts.

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