Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am formally disputing the reporting and legal standing of the following accounts listed on my TransUnion credit file. Pursuant to the Fair Credit Reporting Act ( 15 U.S. Code 1681i & 1681s-2 ) and Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), I demand a full and lawful investigation and the immediate removal of these tradelines that are inaccurate, unverifiable, outdated, and/or legally noncompliant under Metro 2 standards. 

XXXX. XXXX / XXXXXXXX XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX Status : Repossession Balance : {$14000.00} Issues : Post-repossession balance reporting lacks lawful validation, appears inconsistent with Metro 2 compliance standards, and may mislead other users of my credit file in violation of 15 U.S.C. 1681e ( b ). 

Demand : Permanently remove this item unless full chain-of-title, contract, payment, and legal right to report can be independently verified within 30 days. 

XXXX. XXXX XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX  Status : Sold ; was Charged-off and Paid in Full Issues : Contradictory remarks violate accuracy provisions under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Either it was charged off or paid in full not both. 

Demand : Permanently remove the account due to conflicting and materially misleading information. 

XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account No : XXXX XXXX XXXX Balance : {$1200.00} Issues : This debt has never been validated under 15 U.S.C. 1692g ( b ), and the furnishing party has not proven legal ownership of this account. 

Demand : Provide full validation including original contract, assignment documentation, and account statements. If not available, remove this account immediately. 

XXXX. XXXX XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$650.00} Original Creditor : XXXX XXXX XXXX Issues : Debt buyer with no substantiation. Item is marked as disputed but still negatively impacting score. This constitutes continued reporting of inaccurate data in violation of FCRA 623 and Metro 2 guidelines.

Demand : Remove if full documentation of ownership and debt chain is not produced within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account No : XXXXXXXX XXXX XXXX Original Creditor : Purchasing Power Balance : {$1200.00} Issues : Disputed per 623 ( a ) ( 3 ) and still showing derogatory status with unresolved ownership chain.

Demand : Immediately delete unless verified by signed contract, payment records, and lawful assignment.

Legal Notice You are now on legal notice under the FCRA ( 15 U.S.C. 1681i ) and FDCPA ( 15 U.S.C. 1692g ). If any of these accounts are not fully verified within 30 days, or you continue reporting inaccurate or unverifiable data, I will pursue legal remedies including : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and Texas Attorney General Civil claims under FCRA 1681n/o and FDCPA 1692k, which allow for statutory damages up to {$1000.00} per violation, actual damages, attorneys fees, and punitive damages I demand updated results in writing within XXXX calendar days, as required by federal law. 

Sincerely, XXXX XXXX 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 non-monetary relief