Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA, XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Credit Report Dispute under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am writing to formally dispute inaccurate information listed on my TransUnion credit report, dated XX/XX/XXXX. The following accounts contain information that I believe is either inaccurate, incomplete, or unverifiable, and I am requesting immediate investigation and deletion or correction of the items listed below, in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

XXXX. XXXX XXXX XXXX  Account Status : XXXX XXXX XXXX  Reason for Dispute : This account reflects a charge-off status and lists late payments, but I do not have sufficient documentation from the original creditor validating this debt. Please provide full validation or remove this account. 

XXXX. XXXX ( Original Creditor : XXXX XXXX Balance : {$300.00} Reason for Dispute : This collection has been previously disputed and remains unresolved. I request a full investigation and verification including original creditor documentation, or it must be removed. 

XXXX. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Balance : {$810.00} Reason for Dispute : I do not have a verifiable account with the original creditor listed. Please provide a signed contract or remove this collection item from my file. 

XXXX. XXXX XXXX ( XXXX Accounts : {$830.00} & {$4600.00} ) Original Creditor : XXXX XXXX XXXX 

Reason for Dispute : These accounts were previously disputed and marked as dispute resolved subscriber disagrees. I am requesting complete documentation validating these debts. If not verifiable, they should be deleted. 

XXXX. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX. ) Balance : {$740.00} Reason for Dispute : I do not recall authorizing or opening any account with the original creditor. Please provide full verification or delete the item. 

XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX. ) Balance : {$3800.00} Reason for Dispute : This account is being reported as a collection, but I was never notified properly nor provided validation. Please investigate and delete if unverifiable. 

Per the FCRA, I am requesting that you : Conduct a reinvestigation of the listed items. 

Provide written documentation from the original creditor ( XXXX ) validating the accuracy of these accounts. 

Remove any accounts that can not be verified within 30 days. 

Please also update me in writing with the results of your investigation and send me a revised copy of my credit report. 

I have attached a copy of my credit report, government-issued ID, and proof of address for identity verification. 

Thank you for your prompt attention to this matter. 

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