Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
Subject : Formal Notice of Ongoing FCRA and FDCPA Violations Duplicate Dispute and Failure to Validate Debt To : XXXX XXXX, XXXX. 
Cc : Consumer Financial Protection Bureau ( CFPB ) Attorney General of Georgia Georgia Secretary of State XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission ( FTC ) Re : Continued Reporting of Disputed Debt Without Validation Demand for Immediate Action To Whom It May Concern : This letter serves as a formal notice of continued and willful violations under both the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and is submitted due to XXXX XXXX failure to comply with lawful consumer dispute procedures. Despite a prior written dispute, XXXX XXXX continues to report a duplicate and unvalidated debt to the credit reporting agenciesconduct which is unlawful. 



Summary of Violations : 1. Failure to Validate Debt ( 15 U.S.C. 1692g ) A dispute was previously submitted requesting validation of the alleged debt. XXXX XXXX failed to provide : A signed contract or agreement establishing the alleged obligation ; A complete itemized accounting of the alleged debt ; Proof of legal standing or assignment of ownership of the debt. 
Without this documentation, your company has no legal basis to collect or report the debt. 
2. Illegal Collection Activity Without Validation Per FDCPA 1692g ( b ), once a consumer disputes a debt, all collection activity must cease until the debt is validated. Continued furnishing of disputed information to credit reporting agencies constitutes continued illegal collection activity under federal law.

3. Failure to Properly Investigate Disputed Information ( FCRA 1681s-2 ( b ) ) IC System has violated the FCRA by : Failing to conduct a reasonable investigation into the dispute ; Failing to correct or delete the inaccurate and unverifiable information ; Re-reporting or duplicating the tradeline without resolution or response.

These actions constitute ongoing negligence and willful noncompliance with consumer protection law.

Escalation to Oversight Agencies : The following agencies and authorities are hereby formally notified that XXXX XXXX XXXX XXXX is in violation of federal and state consumer protection statutes and has failed to address a lawful dispute : Consumer Financial Protection Bureau ( CFPB ) Attorney General of Georgia Georgia Secretary of State XXXX XXXX XXXX  Federal Trade Commission ( FTC ) Each of these entities is requested to initiate investigation and enforcement proceedings against XXXX XXXX for : Knowingly reporting unverifiable debt ; Failing to comply with federally mandated dispute resolution procedures ; Causing ongoing harm to the consumer through false and unvalidated credit reporting. 



Final Demand to XXXX XXXX : You are hereby given final notice : Either fully validate the alleged debt in accordance with the FDCPA and FCRA ; Or immediately and permanently delete the account from all credit reporting agencies. 

Failure to comply within 10 business days will result in : Formal complaints to all aforementioned regulatory and oversight bodies ; Legal action in civil court to pursue statutory damages, punitive damages, and attorneys fees ; Public reporting of XXXX XXXX repeated noncompliance with federal consumer protection laws. 

Until you are in full legal compliance, you are ordered to cease and desist all collection and reporting activities relating to this account. 

Sincerely, XXXX XXXX XXXX/XXXX/2025

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