Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXXFrom:XXXX XXXXDate of Birth: XXXXSSN: XXXX XXXX XXXX\XXXX XXXX XXXX\nTo:\nTransUnion LLC\nConsumer Dispute Center\XXXX XXXX XXXX XXXX XXXX\nRe: Formal Debt Verification & Demand for Validation\nPursuant to 15 U.S.C. 1692g & 15 U.S.C. 1681i\nTo Whom It May Concern,\nThis letter serves as a formal dispute and demand for verification of the following charge-off accounts currently being reported on my TransUnion credit file:\XXXX XXXX XXXX  Account #XXXX  Amount XXXX  Status: Charge-off\nXXXX XXXX   Account XXXX  Amount XXXX  Status: Charge-offXXXX XXXX XXXX XXXX XXXX XXXX   Account #XXXX  Amount XXXX  Status: Charge-off\XXXX XXXX XXXX XXXX XXXX  Account #XXXX  Amount $7,972.00  Status: Charge-off\nNissan Motor Acceptance Corp.  Account #XXXX   Amount XXXX   Status: Charge-off\nMy Legal Demand\nUnder the Fair Credit Reporting Act (15 U.S.C. 1681i), you are required to conduct a reasonable reinvestigation of any disputed account. Under the Fair Debt Collection Practices Act (15 U.S.C. 1692g), the creditors and collectors are also required to provide full validation before these debts can continue to be reported or collected.\nFor each account listed above, I demand that you provide:\nA copy of the original signed contract or agreement establishing that I had a legal obligation with the original creditor.\nComplete itemized accounting showing how the balance was calculated, including principal, interest, fees, and any insurance add-ons.\nProof of ownership and authority to report/collect this debt, including any bill of sale, assignment agreements, or chain of title.\nEvidence that these accounts are being reported in strict compliance with the FCRA, including accuracy of balance, dates of delinquency, charge-off status, and last payment dates.\nThe full name, title, and direct contact information of the individual with whom you claim to have verified these debts. Vague statements that the creditor verified are not sufficient. I demand the specific name of the person who verified the information.\nConfirmation that the reporting is not outside of the statute of limitations for collection or reporting under 15 U.S.C. 1681c.\nDo not use the e-OSCAR automated system to process this dispute. I am demanding a real investigation by a live person, not a computer algorithm.\nNotice of Federal Violations\nLet me be clear: a bill or monthly statement is not validation. A bill is not validation.\nIf you cannot produce the above documentation, you must immediately delete these charge-off accounts from my TransUnion credit file.\nContinuing to report unverified or inaccurate information is a willful violation of the FCRA and FDCPA and will subject you to civil liability under 15 U.S.C. 1692k and 15 U.S.C. 1681n/o.\nI am documenting all correspondence for evidence. If these accounts are not properly validated and corrected within 30 days, I will file formal complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and the Illinois Attorney Generals Office, in addition to pursuing civil remedies in federal court.\nThis is not a request. This is a legal demand. Govern yourselves accordingly.\nSincerely,\nYadira Yepez'

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