Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX for their repeated and willful violations of my rights under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq. I have disputed the following accounts multiple times directly with both XXXX XXXX XXXX and TransUnion : Account Numbers XXXXXXXX XXXX and XXXXXXXX XXXX XXXX. Despite numerous disputes and requests for verification, these accounts continue to be reported inaccurately on my TransUnion credit report, while they are completely absent from my XXXX  and XXXX  reports. This inconsistency clearly demonstrates a failure to maintain the accuracy and integrity of the information being furnished. Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), furnishers of credit information are prohibited from reporting any information they know or have reasonable cause to believe is inaccurate. Furthermore, XXXX U.S.C. XXXX ( b ) mandates that once notified of a dispute, a furnisher must conduct a reasonable investigation, review all relevant information, and report the results to the consumer reporting agency. XXXX XXXX XXXX has failed to comply with this obligation, as they have not provided any unbroken assignment chain, contract, or valid documentation proving that the alleged debts legally belong to me. They have also failed to provide evidence of ownership or a legally binding transfer of rights from the original creditor to XXXX XXXX XXXX. Under XXXX U.S.C. XXXX ( a ), TransUnion is required to reinvestigate disputed information and delete it if it can not be verified. XXXX XXXX XXXX  continued reporting of these unverifiable accounts violates this section of the FCRA. Additionally, FCRA XXXX ( a ) ( XXXX ) requires that unverified or inaccurate information be deleted once a furnisher fails to substantiate its claim. Their refusal to provide a verifiable contract, original signed agreement, or proof of ownership directly contravenes federal law. Moreover, XXXX U.S.C. XXXX ( b ) requires credit reporting agencies to ensure maximum possible accuracy of the information they report. The fact that these accounts only appear on my TransUnion report and not on my other XXXX credit reports strongly indicates that the information is unreliable, inaccurate, and potentially fraudulent. This ongoing misreporting has caused significant harm to my creditworthiness, emotional distress, and financial well-being, including denials for credit and higher interest rates. 

I am therefore demanding that the CFPB immediately investigate XXXX XXXX XXXX for noncompliance with federal credit reporting laws and their ongoing failure to validate these alleged debts. Specifically, I request that the CFPB require XXXX XXXX XXXX to provide : XXXX. Proof of an unbroken assignment chain from the original creditor to XXXX XXXX XXXX. 
XXXX. A copy of the original signed agreement bearing my signature. 
XXXX. Documentation verifying that XXXX XXXX XXXX has the legal authority to collect and report these debts. If XXXX XXXX XXXX can not provide the above documentation in accordance with XXXX U.S.C. XXXX ( a ) ( XXXX ), they must cease all reporting immediately, and TransUnion must delete these accounts from my credit file. Continued reporting of unverifiable information constitutes willful noncompliance under XXXX U.S.C. XXXX and negligent noncompliance under XXXX, both of which carry civil liability provisions. 

I have attached copies of my previous disputes, TransUnion credit report, and related correspondence for your review. I respectfully request a full investigation and a written resolution within the timeframe prescribed by law. Should XXXX XXXX XXXX continue to disregard my federally protected rights, I am prepared to pursue all available remedies under the FCRA and FDCPA. 

Thank you for your prompt attention to this matter. I trust the CFPB will take appropriate action to hold XXXX XXXX XXXX accountable and ensure the deletion of these unverifiable and damaging accounts from my credit report.

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