Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This letter is to inform you that I recently received your response to my account disputes you via CFPB XXXX that provides no verification of ownership the debt published on my credit reports and no assignment contract. XXXX XXXX has failed to provide any signed contact with my name affixed. XXXX XXXX has also failed to provide any legal documentation or contracts giving you permissible permission to report a debt. Transunion and XXXX are legally bound to remove this account from their reports. XXXX  and TransUnion, you are legally obligated to remove all unverified and inaccurate information from my credit report. 

I am demanding that XXXX and TransUnion, XXXX investigate this account, and send me a copy of all the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. I am demanding that XXXX provide the following : XXXX. Assignment Contract or Full Chain of Assignment XXXX. Bill of Sale from the Original Creditor XXXX. Contract from the original owner with my signature Please be advised the documents received in the CFPB are not acceptable. Again, see the list above. If these documents are not provided within XXXX business day I will seek legal action. 
Under the Fair reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified, send me copies of the documents that you have in your files that were used to verify the account. 
If you do not have any documentation in your files to verify the accuracy of this disputed account, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt. Of this letter then you must remove this account from my credit report. 
Please provide me with a copy of an update and correct credit report showing this item has been removed. 

CFPB Complaint : COMPLAINT ID : XXXX TransUnion Account Name : TransUnion Account Number : XXXX XXXX XXXX XXXX Partial Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX. Partial Account XXXXXXXX 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