Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
From : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Michigan United States Minor, Outlying Islands Near. [ XXXX ] XXXX XXXX : XXXX | MID : XXXX Date : Done in the Light of Day XXXX  XXXX XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX CC : XXXX XXXX XXXX XXXX  XXXX, Fl XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX : Formal Dispute of Inaccurate, Unverified, and Negative Credit XXXX XXXX XXXX XXXX : XXXX  XXXX Account XXXX XXXX  Balance {$180.00} XXXX XXXX  Account # XXXX XXXX {$230.00} 1. Notice of Inaccuracy & Lack of Verification Pursuant to 15 U.S.C. 1681i ( FCRA ), I dispute the above accounts as inaccurate, unverifiable, and unlawfully reported. Neither XXXX XXXX nor XXXX XXXX  has provided : Original wet-ink contract with my consent for third-party publication of private credit data. 
Proof of authority to report transactions under my copyrighted personal name.

Verification under Metro 2 compliance standards required by the Consumer Data Industry Association ( CDIA ).

2. Violations of Federal Statutes Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) Late payment status reporting without proper disclosures violates my right to accurate finance charge and billing error resolution.

Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e, 1692f ) Reporting false or misleading information to credit bureaus constitutes unfair collection activity.

Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) Furnishers are required to provide complete and accurate information. Reporting unverifiable debts is prohibited.

Metro 2 Standards Inconsistent reporting ( charged-off yet showing past-due, or open account without payment activity ) violates industry standards for accurate reporting.

Uniform Commercial Code ( UCC 1-308, 9-210 ) As Secured Party Creditor, I demand a full accounting and validation of debt. Absent proper validation, continued reporting is a breach of commercial law.

3. Unauthorized Use of Personal Name / Copyright Infringement My name and estate identifiers are private intellectual property. Reporting and publishing under my name without written license constitutes unauthorized commercial use and copyright infringement under 17 U.S.C. 101 et seq.

4. Demand for Immediate Remedy I demand the following within 15 days of receipt : 1. Deletion of the above accounts from my Experian file.

2. Written confirmation of deletion mailed to my Executor Office. 3. Cease and desist further publication of unverified and unauthorized data under my name. 4. Full accounting under UCC 9-210 ( Request for Accounting and Information ).

5. Notice of Liability Failure to comply constitutes willful noncompliance under FCRA 616 and 617, making each party liable for statutory damages, actual damages, attorneys fees, and equitable relief. 



XXXX XXXX, By : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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