Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  To Whom It May Concern, I am writing to file an dispute regarding the incorrect reporting and unlawful transfer of my account to XXXX XXXX XXXX, as well as to demand an immediate and thorough investigation of the actions taken by XXXX XXXX XXXX XXXX. 

The account listed above has been transferred to a third-party debt collector without my knowledge or consent, and the account status continues to be reported inaccurately. I have made several attempts to resolve this issue through the credit bureaus and with the creditor, but these disputes have been routinely and unlawfully verified, without addressing the critical errors or providing proper documentation. 

Issues with this Account : Unauthorized Transfer to a Third Party : XXXX XXXX XXXX XXXX sold my account to XXXX XXXX XXXX  without my consent or prior knowledge. This constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires creditors to notify consumers before selling their debt to third-party collectors. 

FCRA Violations ( Fair Credit Reporting Act ) : Section 1681i - Reinvestigation Violations : Despite multiple disputes regarding the status of this account, the credit reporting agencies have repeatedly verified the information without conducting a proper reinvestigation or providing any supporting documentation of the sale of the debt or the validity of the reporting. I have received no evidence of a legitimate process to prove this account is accurately reported. 

Section 1681c - Time Limitations on Reporting : The account is marked as a collection, but the original creditor did not provide documentation proving that the debt was validly transferred or legally owed. According to FCRA guidelines, if this account was charged off, it should not remain on my report indefinitely and must follow the correct timeline for reporting, which has clearly not been followed here.

Section 1681s-2 ( b ) - Duties of Furnishers of Information : Affirmation by XXXX XXXX XXXX of this debt is an unwarranted continuation of inaccurate information. The lack of proper documentation supporting this account is a direct violation of the FCRA. This collection entry is inaccurate and unlawful, and I demand an immediate deletion of this account from all credit reports.

Inaccurate Reporting of Account Status : The account is marked as collection with no valid record of payment history or documentation supporting the accuracy of the amount owed. As a result, this has unjustly damaged my credit report and my ability to obtain financing. There is no legal basis for the account being reported as a collection under the current circumstances, and I am demanding immediate removal.

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