Consumer complaint received 2025-08-26 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: IL

Complaint narrative:
This letter serves as formal notice of dispute regarding inaccurate, unverifiable, and illegally reported information appearing on my credit file. This dispute is made pursuant to my rights under : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq. 

ACCOUNT IN DISPUTE : XXXX XXXX XXXX XXXX  - Account # XXXX Balance : {$27000.00} ( reported as charged off ) LEGAL VIOLATIONS AND GROUNDS FOR REMOVAL : 1. FCRA 611 ( a ) ( 5 ) ( A ) - Inadequate Verification Process The furnisher has failed to provide adequate verification of this debt as required under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Verification must involve more than mere confirmation that information matches furnisher records. 
2. FCRA 623 ( a ) ( 1 ) - Accuracy Violations Per XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), furnishers must ensure maximum possible accuracy. The reported charge-off status lacks proper substantiation and violates 15 U.S.C. 1681s-2 ( a ) ( 1 ). 
3. Truth in Lending Act Violations Under XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX ), proper TILA disclosures are required for auto financing. Any TILA violations render the debt unenforceable and the reporting invalid. 
4. Due Process Violations ( 14th Amendment ) The reporting violates substantive due process as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), by damaging credit reputation without adequate procedural safeguards. 
5. Statute of Limitations Defense Under state law statute of limitations, this debt may be time-barred. Reporting time-barred debt violates FCRA accuracy requirements per XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). 
PROCEDURAL VIOLATIONS : Lack of Standing : Furnisher must prove legal standing to report this debt Chain of Title : No documentation proving valid assignment/ownership Account Stated : Failure to provide complete account history XXXX XXXX XXXX : [ If CA resident ] California Civil Code 1788 et seq. 

CASE LAW AUTHORITY : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Reasonable procedures standard XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Meaningful verification requirement XXXXXXXX XXXX Trans Union XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Investigation adequacy standards XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Accuracy obligations DEMAND FOR IMMEDIATE ACTION : DELETE this account immediately from my credit file CEASE all reporting of this alleged debt PROVIDE written confirmation of deletion within 15 days NOTIFY all parties who received my credit report in the past 24 months NOTICE OF LEGAL CONSEQUENCES : Failure to comply will result in legal action seeking : Actual damages under 15 U.S.C. 1681o Statutory damages up to {$1000.00} under 15 U.S.C. 1681n Punitive damages for willful violations Attorney fees and costs under 15 U.S.C. 1681n ( a ) ( 3 ) TIME IS OF THE ESSENCE- This matter requires immediate attention within 30 days of receipt.

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