Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN ( Last XXXX Digits ) : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Immediate Deletion Demand XXXX XXXX XXXX ( Not My Account ) Dear Credit Bureau, This letter serves as a formal and urgent dispute regarding the XXXX XXXX XXXX XXXX account appearing on my credit file. I have never had any financial relationship, contract, or account with XXXX XXXX XXXX or any company they claim to represent. This account is fraudulent, inaccurate, and not mine. 

Account in Dispute : XXXX XXXX XXXX XXXX Account ( Reporting a collection account that does not belong to me is a serious violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i, 1681e ( b ), and 1681s-2 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). 

I am demanding a full reinvestigation and deletion of this account within the required 30-day timeframe. You are legally obligated to verify the accuracy and ownership of this account directly with the furnisher. If verification can not be provided with original, signed documentation proving I opened or authorized this account, it must be deleted immediately. 

To verify this account, you must provide : 1. The original signed credit application or contract bearing my authentic signature ; 2. The complete account history, including the original creditor name, account opening date, payment records, and alleged balance ; 3. Proof of assignment or ownership showing XXXX XXXX XXXX legal right to report or collect this alleged debt ; 4. Evidence of identity matching including date of birth, address history, and SSN confirming that I am the responsible party. 

If you or the furnisher can not produce these items, you are required under federal law to delete the account entirely from all credit reporting systems.

Please be advised that continued reporting of inaccurate or unverifiable information constitutes willful noncompliance under 15 U.S.C. 1681n, and I am fully prepared to pursue my rights through : A formal complaint to the Consumer Financial Protection Bureau ( CFPB ), The Federal Trade Commission ( FTC ), And potential civil legal action seeking damages for defamation and FCRA violations. 

This is an official demand for correction and removal not a mere request. You are hereby notified to delete this XXXX XXXX XXXX account immediately or provide full, documented proof of its legitimacy. 

Please mail me written confirmation of deletion or a copy of all documentation used to verify the account. 

Thank you for your prompt and lawful compliance. 

Sincerely, XXXX 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