Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
XXXX XXXX XXXX Authorized Representative / XXXX XXXX XXXX XXXX. XXXX XXXX Non-Domestic, XXXX, Nebraska XXXX XXXX [ XXXX ] Email : Phone : XXXX Date : XXXX XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Formal Complaint Against XXXX XXXX XXXX Deceptive Practices, Failure to Validate Debt, and Violations of Consumer Rights To Whom It May Concern : I, XXXX XXXX XXXX, a living man and the authorized representative for the legal entity associated with the name XXXX XXXX XXXX XXXX hereby submit this formal complaint against XXXX XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Nature of Complaint : XXXX XXXX XXXX has engaged in multiple violations of my consumer rights and failed to act in good faith under federal law, including but not limited to : 1. Failure to Validate Alleged Debt I requested verification and validation of an alleged debt in compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. XXXX XXXX XXXX has failed to respond lawfully, provide a contract with a wet ink signature, or show a valid chain of custody proving any legal obligation. 
2. Violation of Truth in Lending Act ( TILA ) XXXX XXXX XXXX has failed to provide full disclosure under Regulation Z, codified at 12 CFR Part 1026, specifically regarding finance charges, account details, and consumer rights. 
3. Potential Securities Fraud / Unlawful Securitization There is indication that the promissory note or security instrument tied to the alleged account was converted into a security and monetized without my knowledge or consent, violating SEC Rule 144A, Rule 506 ( c ), and the Securities Exchange Act of 1934. 
4. Unlawful Reporting to Credit Bureaus Negative information has been reported to third-party credit reporting agencies without first validating the debt, which is a violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681s-2. 
5. Failure to Respond to Prior Notices I have issued multiple Affidavits of Truth and Notices of Non-Response which were met with silence, tacit acquiescence, or continued bad-faith actions. 

Relief Requested : I am requesting the CFPB to : Investigate the practices of XXXX XXXX XXXX. 
Compel them to cease all collection activity until lawful debt validation is provided. 
Remove all erroneous or unverifiable entries from credit bureaus. 
Investigate possible unlawful securitization of my signature and promissory note. 
Enforce penalties if violations are found under FDCPA, FCRA, TILA, and UCC codes where applicable. 

This matter has caused harm to my credit standing, emotional distress, and financial injury. I reserve all rights, remedies, and protections afforded to me under the Constitution for the United States of America, Gods Law, Common Law, and all relevant statutes and codes. 


I am filing this formal complaint against XXXX XXXX XXXX, whose primary location is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nebraska XXXX I, XXXX XXXX XXXX, the authorized representative and secured party over the legal person/estate XXXX XXXX XXXX, bring this matter to your attention due to multiple violations of federal consumer protection laws. 



Nature of Complaint : 1. False Late Payment Reporting to TransUnion XXXX XXXX XXXX has reported a late payment on my credit file with TransUnion that is factually incorrect and damaging to my credit profile. No lawful debt has been validated, no contract exists with my wet-ink signature, and the alleged delinquency is disputed in good faith. 

Despite repeated notices to XXXX requesting verification and correction, they have failed to provide any lawful validation of this claim, yet continue to report adverse information to third-party credit bureaus. This is a clear violation of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) and 1681i Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g Consumer Financial Protection Act 12 U.S.C. 5531 ( unfair, deceptive, or abusive acts or practices ) 2. Failure to Respond to Debt Validation Request I issued a lawful request for debt validation. XXXX XXXX XXXX has not responded with any original note, agreement, or accounting. Instead, theyve continued to furnish negative data to TransUnion without meeting the statutory requirements under federal law. 

3. Violations of Truth in Lending Act ( TILA ) and Regulation Z There is insufficient disclosure regarding finance terms and obligations. I suspect unlawful conversion and securitization of instruments bearing my name and private signature without consent. 


Requested Relief : I respectfully request the CFPB : Investigate XXXX XXXX XXXX credit reporting and collections activity. 
Instruct them to immediately remove the false late payment from my TransUnion file. 
Compel full debt validation under FDCPA and FCRA. 
Penalize and sanction the credit union for failure to comply with federal regulations. 
Provide assurance that no further unverified or fraudulent claims will be reported to any consumer reporting agency. 

This false reporting has caused financial harm, obstructed my ability to access credit, and constitutes a willful injury under color of law. I stand on my unalienable rights and reserve all lawful remedies. 
Here is the breakdown and plain-language summary of 15 U.S. Code 1681s2 ( a ) which is part of the Fair Credit Reporting Act ( FCRA ) and directly relates to your issue with XXXX XXXX  XXXX reporting a late payment. 



15 U.S. Code 1681s2 ( a ) Duties of Furnishers of Information to Consumer Reporting Agencies ( a ) Duty to provide accurate information This section requires creditors and furnishers ( like XXXX XXXX XXXX ) to only report accurate and truthful information to credit reporting agencies ( such as TransUnion ). 



Key Points of 1681s2 ( a ) : 1. ( a ) ( 1 ) ( A ) : No knowingly false reporting A furnisher shall not furnish any information that they know ( or have reasonable cause to believe ) is inaccurate.

2. ( a ) ( 1 ) ( B ) : Duty to correct and update If the furnisher finds out the information they gave was incomplete or inaccurate, they must promptly notify the credit bureau and correct it.

3. ( a ) ( 1 ) ( C ) : Repeated errors not allowed Creditors cant continuously report inaccurate information after being notified its incorrect.

4. ( a ) ( 2 ) : Notice of Dispute Required If a consumer disputes the accuracy of information, and the furnisher is told about it, they must flag the account as disputed when they report it again.

5. ( a ) ( 3 ) : Can not report on closed or discharged debts Creditors must not report debts that were discharged or settled as still open or delinquent.

Violation Example : If XXXX XXXX XXXX reported a late payment to TransUnion without validating the debt or after you disputed it, and they failed to mark it as in dispute, they are violating 15 U.S.C. 1681s-2 ( a ). 



Enforcement Note : Consumers can not directly sue furnishers for violations of 1681s2 ( a ) ( only government agencies like the CFPB or FTC can enforce this section ). 
However, if the credit bureau ( TransUnion ) was notified and the furnisher still failed to correct the information under 1681s2 ( b ), then you can sue under 1681i and 1681n/o. 


XXXX XXXX XXXX is in violation of XXXX U.S.C. 1681s2 ( a ) ( 1 ) ( A ) and ( a ) ( 2 ), by reporting false late payment information to TransUnion without validating the alleged debt and failing to update the record or mark it as disputed after being Let me know if you want this citation included in a credit dispute letter to TransUnion or a Notice of Liability to XXXX. 

Respectfully submitted, XXXX XXXX XXXX Beneficiary XXXX XXXX XXXX Living Man All Rights Reserved Without Prejudice UCC 1-308 Enclosures ( if applicable ) : Copies of Affidavits sent to Cobalt Credit Union Notice of Non-Response Any letters or documents received from XXXX  Copies of relevant credit reports showing unlawful reporting.

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