Consumer complaint received 2026-06-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RE : Formal Dispute of Inaccurate and Unverified Consumer Report Information To Credit Dispute/Investigation Department , I am writing to formally dispute the following inaccurate collection accounts and unauthorized inquiries appearing on my XXXX credit report. I have recently audited my file, and these items are entirely inaccurate, unverified, and do not reflect my true credit history. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I demand that you immediately investigate these items and delete them from my credit file. Please investigate and delete the following collection accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$980.00} | Status : Inaccurate / Unverified Account XXXX. CXXXX XXXX XXXX / XXXX Balance : {$210.00} | Status : Inaccurate / Unverified Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} | Status : Inaccurate / Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} | Status : Inaccurate / Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} | Status : Inaccurate / Unverified Account XXXX. XXXX XXXX XXXX / XXXX XXXX XXXX : {$1200.00} | Status : Inaccurate / Unverified Account Additionally, please investigate and remove the following hard inquiry, as I did not authorize this lender to access my consumer file : - XXXX XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) If you can not verify the absolute accuracy of these items with the furnishing links within the legally mandated XXXX window, you are required by federal law to delete them immediately. Please send an updated copy of my credit report showing the corrections. Sincerely, XXXX XXXX Part XXXX : The Collection Agency Letters You must mail a separate letter to each individual collection agency. Since the collection agencies ' addresses are hidden behind the individual dropdown tabs on your active XXXX portal, look up their mailing addresses directly in the account details view to complete the envelopes. Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Insert Agency Mailing Address Here ] XX/XX/XXXX RE : Notice of Dispute / Request for Absolute Debt Validation To Legal Department / Compliance Officer, I am writing to you regarding an account you are currently reporting on my XXXX credit report under original creditor XXXX XXXX XXXX XXXX showing an alleged balance of {$980.00}. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), I am formally disputing the validity of this alleged debt and the accuracy of your reporting. This account is entirely inaccurate. I demand that you provide complete documentation verifying your legal right to collect this alleged debt, including the original signed contract or agreement showing my signature, and an itemized billing statement. If you can not provide competent, verifiable evidence to substantiate this claim within 30 days, you must immediately cease all collection efforts and remove this negative tradeline from my credit files. Sincerely, XXXX XXXX XXXX XXXX : Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Insert Agency Mailing Address Here ] XX/XX/XXXX RE : Notice of Dispute / Request for Absolute Debt Validation To Legal Department / Compliance XXXX, I am writing to you regarding an account you are currently reporting on my Experian credit report under original creditor T-MOBILE, showing an alleged balance of {$210.00}. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), I am formally disputing the validity of this alleged debt and the accuracy of your reporting. This account is entirely inaccurate. I demand that you provide complete documentation verifying your legal right to collect this alleged debt, including the original signed contract or agreement showing my signature, and an itemized billing statement. If you can not provide competent, verifiable evidence to substantiate this claim within 30 days, you must immediately cease all collection efforts and remove this negative tradeline from my credit files. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXrt Agency Mailing Address Here ] XX/XX/XXXX RE : Notice of Dispute / Request for Absolute Debt Validation To Legal Department / Compliance Officer, I am writing to you regarding an account you are currently reporting on my Experian credit report under original creditor XXXX XXXX XXXX showing an alleged balance of {$1400.00}. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), I am formally disputing the validity of this alleged debt and the accuracy of your reporting. This account is entirely inaccurate. I demand that you provide complete documentation verifying your legal right to collect this alleged debt, including the original signed contract or agreement showing my signature, and an itemized billing statement. If you can not provide competent, verifiable evidence to substantiate this claim within 30 days, you must immediately cease all collection efforts and remove this negative tradeline from my credit files. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Insert Agency Mailing Address Here ] XX/XX/XXXX RE : Notice of Dispute / Request for Absolute Debt Validation To Legal Department / Compliance Officer, I am writing to you regarding an account you are currently reporting on my XXXX credit report under original creditor XXXX XXXX XXXX XXXX showing an alleged balance of {$4500.00}. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), I am formally disputing the validity of this alleged debt and the accuracy of your reporting. This account is entirely inaccurate. I demand that you provide complete documentation verifying your legal right to collect this alleged debt, including the original signed contract or agreement showing my signature, and an itemized billing statement. If you can not provide competent, verifiable evidence to substantiate this claim within XXXX days, you must immediately cease all collection efforts and remove this negative tradeline from my credit files. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Insert Agency Mailing Address Here ] XX/XX/XXXX RE : Notice of Dispute / Request for Absolute Debt Validation To Legal Department / Compliance XXXX, I am writing to you regarding an account you are currently reporting on my XXXX credit report under original creditor XXXX XXXX, showing an alleged balance of {$510.00}. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), I am formally disputing the validity of this alleged debt and the accuracy of your reporting. This account is entirely inaccurate. I demand that you provide complete documentation verifying your legal right to collect this alleged debt, including the original signed contract or agreement showing my signature, and an itemized billing statement. If you can not provide competent, verifiable evidence to substantiate this claim within 30 days, you must immediately cease all collection efforts and remove this negative tradeline from my credit files. SincerelXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Insert Agency Mailing Address Here ] XX/XX/XXXX RE : Notice of Dispute / Request for Absolute Debt Validation To Legal Department / Compliance XXXX, I am writing to you regarding an account you are currently reporting on my XXXX credit report under original creditor XXXX XXXX, showing an alleged balance of {$1200.00}. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), I am formally disputing the validity of this alleged debt and the accuracy of your reporting. This account is entirely inaccurate. I demand that you provide complete documentation verifying your legal right to collect this alleged debt, including the original signed contract or agreement showing my signature, and an itemized billing statement. If you can not provide competent, verifiable evidence to substantiate this claim within 30 days, you must immediately cease all collection efforts and remove this negative tradeline from my credit files. 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