Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a certified letter ( I have included a copy of the certified receipt ) to Transunion asking for Validation of debt for charges from a XXXX credit card account that is not mine, the account was removed from my account shortly after but Transunion began reporting it again a few months after removing it, they have provided no proof of an investigation as requested nor proof of debt, I then submitted a dispute with the CFPB on XX/XX/XXXX about Transunion and again they say that XXXX BANK-VERIFIED AS REPORTED Other miscellaneous actions take based on your request were : Fedral Freeze - LIFTED, I dont understand what Fedral Freeze means, they also said they would forward me a copy of the Investigation Results within XXXX business days, the date now is XX/XX/XXXX and I still have not received it, I am now asking that they provide me with proper Validation within the time given by FCRA. 
Be advised this is a notice that your claim is disputed and VALIDATION is requested, I am requesting physical proof such as a copy of a drivers license, signature, or contract showing I am indeed the party and if there is some contractual obligation that is binding me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC XXXX Sec. XXXX ( b ) of the FDCPA, I dont see the need to threaten you with the FTC or other state or federal agencies for non-compliance since we both know what the laws are, I am simply asking for VALIDATION as I know this debt is not mine and would like to see physical proof or I would like it removed immediately. I am providing my name and address to ensure you have the correct Name, Address and Email so there can be no mistake on why I wouldnt receive the result of your investigation, as a matter of fact, I am requesting that you send me a copy by Email as well as regular mail. 

MY NAME : XXXX XXXX XXXX LAST XXXX OF MY SOCIAL SECURITY NUMBER IS XXXX MY ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FLORIDA XXXX EMAIL : XXXX Please provide the following : Complete account of alleged debt. 
Agreement/receipts that bears the signature of the alleged debtor Amount of alleged debt. 
Dates of purchases with signatures. 
Payment dates, amount, how was it made. 
Alleged account number. 
Name on file of alleged debtor. 
Name of person you have been corresponding with. 
Phone number of person you have been corresponding with. 
Address on file for alleged debtor. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Name and address of alleged creditor. 
Any Judgements obtained by any creditor regarding this account.

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