Consumer complaint received 2025-04-29 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request verification of a XXXX XXXX account that is currently appearing on my credit report as a closed account. The account in question appears to have been written off, and I am requesting detailed information under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). XXXX. Debt Validation Request Under 15 U.S. Code 1692g ( b ), I am requesting that you provide the following : Proof that I am legally obligated to pay this alleged debt, A complete payment history, including a breakdown of charges and payments, A copy of any original signed agreement or contract with XXXX XXXX, and Documentation that you have the legal right to collect this debt. XXXX. Verification of Reporting Rights As the account is marked as " closed '' or " charged off, '' I require proof that you still retain ownership of the debt or the right to collect. If XXXX has sold or transferred the debt to a third party, they no longer have the legal standing to report or collect on it, and it should be removed from my credit report under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), which requires accurate and current information. Please provide : Documentation showing that XXXX XXXX retains the rights to this account, Details of any debt sale or transfer, including the name of the current debt owner, The date the account was closed and any charge-off documentation. XXXX. Cease and Desist Communication Under 15 U.S. Code 1692c ( c ), I formally request that you cease all further communication with me about this alleged debt, except to provide the required validation or to notify me of specific legal actions. XXXX. Request for Removal from Credit Report Since this account is closed and potentially written off, continued reporting of this account as a " collection '' or otherwise active debt may be misleading and in violation of the Fair Credit Reporting Act, which mandates the reporting of only accurate and verifiable information. If you are unable to provide the requested documentation within 30 days, I request that this account be removed from all consumer credit reporting agencies, including but not limited to XXXX, TransUnion, and XXXX. XXXX. Notice of Intent Should you fail to respond to this dispute within the required timeframe or continue to report unverifiable or inaccurate information, I will consider further actions including complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and State Attorney Generals office, as well as potential civil litigation for violations of the FDCPA and FCRA. Please consider this a formal request under federal law. Kindly respond within 30 days in writing. Sincerely, 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