Consumer complaint received 2025-04-22 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: MD

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Dispute and Demand for Deletion XXXX Account To Whom It May Concern : I am writing to formally dispute the accuracy and legality of the XXXX tradeline ( Account # XXXX ) as it currently appears on my TransUnion credit report. 
This account is reported as charged off, yet the tradeline shows it has been sold to another lender. This raises serious legal and factual concerns, outlined below : Dispute Summary : 1. No Disclosure of the Buyer or New Owner of the Account If the account has been sold, as stated in the report, then what lender was it sold to? There is no name or contact information for the current owner of this account, which makes this reporting incomplete and unverifiable, in violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681g ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ).

2. Improper Reporting of a Charge-Off and Sale Double Collection Violation If
this account has been charged off, it is unlawful for the original creditor to sell it for collection without clearly identifying the chain of title. This practice constitutes a double collection attempt and violates consumer protections under the FCRA and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ( 2 ) ( A ) ).

3. No Payment History Reported Incomplete Account Data. The tradeline shows no payment history, which makes it impossible to verify the legitimacy or timeline of this debt. Under 15 U.S.C. 1681e ( b ), TransUnion must maintain procedures to ensure the maximum possible accuracy of reported information. This reporting is vague, inconsistent, and lacks substantiating detail.

4. Omission of Full Furnisher Address FCRA Violation. The only location listed for this account is XXXX XXXX, NY XXXX. The data furnisher 's street address and contact information are not listed. This violates 15 U.S.C. 1681g ( a ) ( 2 ), which requires the full name and address of every information furnisher in a consumers file. Without this, I can not contact or verify this tradeline 's source.

5. 5. No IRS 1099-C Form Issued. If this account was truly charged off or canceled, I should have received a 1099-C Cancellation of Debt form from the original creditor as required by the Internal Revenue Code under 26 U.S. Code 6050P. I did not receive this form, which further indicates that the charge-off may not have been legitimate or was not properly documented. 
What I Am Demanding : Immediate deletion of the XXXX account ( Account XXXX from my TransUnion credit report. 
Written confirmation of the deletion. 
The name and full address of the current account owner ( if any ), and the documents reviewed by TransUnion to verify this information. 
Identification of the party that reported this tradeline and the date of their last verification. 
Notice of Intent to Escalate : If TransUnion fails to delete this account or properly investigate and verify its validity, I will escalate the matter by : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) Reporting the issue to the Federal Trade Commission ( FTC ) Contacting the Attorney General 's Offices of both TransUnion and XXXX Retaining legal counsel to pursue civil action under FCRA 1681n and 1681o for statutory damages of {$1000.00} per violation, plus actual damages and attorney fees.

This is your formal notice. I expect a lawful and timely resolution within 15 calendar days of receipt of this letter. 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 explanation