Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding a credit reporting issue with TransUnion, Equifax, and Experian. My complaint involves a collection account reported by XXXX XXXX on behalf of XXXX. 

On XX/XX/year>, I sent certified dispute letters to all three credit bureaus. In those letters, I included documentation showing that XXXX XXXX XXXXailed to provide proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ). The only document they sent in response was a copy of my original contract with XXXX. They did not provide : Proof of assignment or ownership of the debt, Proof of their authority to report or collect it, Any itemized breakdown or statements showing the balance due. 

Additionally, XXXX went bankrupt mid-treatment. I was unable to finish my aligner treatment due to their sudden closure, and they never corrected issues with improperly fitting aligners. 

After their closure, I contacted them and requested a full refund since they could no longer fulfill their end of the agreement. I was told that no refunds would be issued until their bankruptcy was finalized. After the company later updated its website indicating that refunds were now being processed, I again contacted thembut was told I did not qualify and was given no explanation why. This was communicated to me either by XXXX directly or by their financing company, believed to be XXXX ( XXXX XXXX XXXX ). 

Despite submitting all of this supporting evidence : TransUnion responded via mail on XX/XX/year>, stating the account was verified as accurate, without any acknowledgment of my supporting documents or situation. 

Experian only responded via email, not by postal mail as required. 

Equifax did not respond at all, in violation of the XXXX dispute window required by the Fair Credit Reporting Act ( FCRA ). 

I believe the credit bureaus failed to conduct a proper and reasonable investigation, and that this debt should be permanently removed from my credit report. It is based on a contract that was never fulfilled, a refund that was unjustifiably denied, and a collection account that was not legally validated. 

I am asking your office to : Investigate this matter, Hold the credit bureaus accountable for ignoring a legally valid dispute, And compel the removal of the XXXX XXXX item from my credit file. 

I can provide documentation, certified mail receipts, and correspondence upon request. 

Thank you for your attention to this matter. 

_____________________________________________________________________ * * * * IMPORTANT * * * * I HAVE ADDITIONAL DOCUMENTATION INCLUDING CERTIFIED MAIL RECEIPTS, DISPUTE LETTERS SENT TO ALL THREE CREDIT BUREAUS, AND PHOTOS OF THE UNUSED ALIGNERS, BUT I WAS UNABLE TO UPLOAD EVERYTHING DUE TO FILE LIMITS. I CAN PROVIDE MORE UPON REQUEST.

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 explanation