Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
SENT VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL. XXXX CC : XXXX, XXXX, and TransUnion Re : Dispute of Inaccurate Credit Reporting - Account # XXXX To Whom It May Concern : I am writing to formally dispute the accuracy of information that XXXX XXXX  has reported to the credit reporting agencies regarding an alleged debt. This letter serves as my formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ) and the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX ). 
FACTS : XXXX XXXX is currently reporting on my credit report that I have an outstanding debt with your company. 


When I contacted XXXX XXXX directly about this matter, I was informed that this alleged debt had been placed with XXXX XXXX XXXX for collections. 


I have contacted XXXX XXXX XXXX multiple times regarding this alleged debt. They have consistently confirmed that they have NO record of any debt associated with my name or personal information. They can not locate any account for me in their system. 


This creates a direct contradiction : XXXX claims the debt exists and has been sent to XXXX XXXX XXXX, while XXXX XXXX XXXX has no record of such debt. 


DEMAND FOR IMMEDIATE ACTION : This situation constitutes false and inaccurate credit reporting which violates the Fair Credit Reporting Act. The reporting of a non-existent debt is fraudulent activity that is causing harm to my credit standing and financial reputation. 
Therefore, I DEMAND that XXXX XXXX immediately : Cease all reporting of this fraudulent debt to all credit reporting agencies. 


Remove all negative information related to this allegedly transferred debt from my credit report with ALL credit bureaus. 


Provide written confirmation within 30 days that this fraudulent reporting has been removed from my credit reports. 


Send written confirmation of these actions to my address : see attach, as well as email the confirmation of deletion to see attach. 


Please be advised that under the Fair Credit Reporting Act, you are required to investigate this dispute and correct any inaccurate information. Failure to comply with this request may result in further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Delaware Attorney General 's office. 
I expect a written and emailed response addressing these issues within 30 days of your receipt of this letter. 
Sincerely, Enclosures : Copy of credit report showing the disputed item cc : Consumer Financial Protection Bureau

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