Consumer complaint received 2025-08-07 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information under FCRA Resurgent Receivables / Account with {$510.00} Balance To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding inaccurate and unverifiable information that is currently being reported on my TransUnion credit report. 

The item in question is being reported by Resurgent Receivables, showing an open balance of {$510.00} and listed as open and placed for collection. This entry is inaccurate and incomplete for the following reasons : 1. Resurgent Receivables is not the original creditor and has not provided documentation validating their legal right to collect or report this alleged debt.

2. The account status is reported as open, which is misleading and inaccurate for a collection account, particularly one where the original account has been charged off or closed.

3. I have not received proper validation of this debt under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), and reporting an unvalidated debt violates both the FDCPA and the FCRA. 

Legal Precedent : According to the decision in XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), a credit reporting agency must go beyond the original source of information and conduct a reasonable investigation when a consumer disputes an item. Merely parrotting information received from a third-party debt collector is insufficient under the law. 

Additionally, in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), the court held that failure to fully investigate a disputed item could give rise to a claim under the FCRA. 

Action Requested : Please conduct a thorough investigation into this matter, and Delete the account reported by XXXXXXXX XXXX unless they can provide full validation and documentation proving their authority to report and collect this alleged debt, including the name of the original creditor, the original account number, and an unbroken chain of assignment. 

In accordance with 15 U.S.C. 1681i ( a ), I request that you complete your reinvestigation within 30 days and provide me with written confirmation of the results.

This dispute is made in good faith and with the intent to correct inaccurate credit reporting. Please consider this a formal request to remove the aforementioned account if it can not be verified with proper documentation. 

Sincerely, XXXX XXXX. Certainly. Heres a detailed and assertive debt collection dispute letter addressed to XXXXXXXX XXXX  citing relevant case law, FDCPA, and FCRA violations, focused on challenging their right to collect and demanding validation of the alleged debt. 



XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX Subject : Formal Debt Validation Request and Dispute of Alleged Debt Account with {$510.00} Balance To Whom It May Concern, This letter is sent in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to dispute the validity of the alleged debt you claim I owe, which appears on my credit report as an account with a balance of {$510.00}.

Please be advised that I am disputing this debt in its entirety and requesting full validation and verification of the account, including but not limited to : 1. The name and address of the original creditor 2. A copy of the original signed contract or agreement 3. A complete account history ( charges, payments, interest, etc. ) 4. Proof of legal assignment of the debt to XXXXXXXX XXXX 5. Evidence that your company is licensed and legally authorized to collect in my state Until such information is provided, I request that you cease all collection activities and refrain from reporting or continuing to report this account to any credit reporting agencies, as doing so without proper validation violates multiple consumer protection laws. 



Legal Precedent & Violations : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) : The court held that a debt collector must have in its possession sufficient documentation to prove the validity of the debt before attempting to collect. Attempting to collect without such documentation XXXX be considered deceptive and in violation of the FDCPA. 
XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ) : The court stated that the FDCPA requires debt XXXX to clearly and accurately communicate the amount of the debt, including any fees or interest, which must be fully explained and authorized by contract or law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This case established that XXXX XXXX not make demands for payment without first possessing adequate evidence of the debts validity, and must not engage in misleading practices. 
XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) : Reaffirmed that failure to provide proper validation after a timely request can be a clear violation of 1692g of the FDCPA.

You are hereby formally notified that unless and until you provide the validation requested above, you are not to contact me regarding this account, except to respond to this dispute in writing. Reporting unvalidated or inaccurate debt to any credit reporting agency constitutes a violation of the FCRA, and I reserve my right to take legal action should you continue reporting or collecting on this account without compliance.

Please treat this letter as : A dispute of the validity of the alleged debt under 15 U.S.C. 1692g ( b ) A request for debt validation A cease and desist notice under 15 U.S.C. 1692c ( c ) If you are unable to provide the above-requested documentation, you are required by law to remove all references of this debt from any credit reporting agency to which you have reported it. 

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 non-monetary relief