Consumer complaint received 2025-11-18 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:
I am filing a complaint against XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), and TransUnion for reporting and attempting to collect an invalid, unauthorized, and inaccurate debt, for continuing service after cancellation, and for harassing communication. 

What Happened : I contacted XXXX to cancel my alarm service after repeated price increases. XXXX required me to fill out a cancellation form. I submitted the form immediately. 

XXXX initially accepted the cancellation. 

Shortly afterward, XXXX reversed their decision and claimed the form was sent in bad faith, which is completely false. This was an attempt to force continuation of service. 

During the cancellation process, I also removed my credit card from my XXXX online account to prevent unauthorized charges. After that point, I did not authorize any further billing. 

Despite this, XXXX kept my account open, continued billing me internally, and added late fees even though I had fully revoked authorization and requested cancellation. 

Harassing Calls : Following my cancellation request, XXXX began harassing me with repeated automated calls, often XXXX times per day, including evening calls. These were auto-dialer calls with no live representative. These calls continued after I asked them to stop, which violates FDCPA and TCPA rules. 

Reporting False Information to TransUnion : XXXX then reported an inaccurate charge-off to TransUnion with XXXX {$0.00} balance, which is contradictory and misleading. XXXX also reported impossible and inaccurate dates, including : Date Closed : XX/XX/year> Date Updated : XX/XX/year> These dates are not consistent with the actual events and are factually impossible. This violates FCRA 623 ( a ) regarding the duty to report accurate information.

Attempt to Assign/Sell Invalid Debt : XXXX  attempted to assign or sell this invalid and disputed balance to XXXX XXXX XXXX XXXX XXXX XXXX ) for collection. XXXX contacted me despite the fact that : I had cancelled services XXXX  provided no contract or proof that I owed anything The debt is based on unauthorized, post-cancellation billing Both XXXX  and XXXX attempted to collect on a debt that is not valid, not authorized, and not verified. 

Violations : FCRA 623 ( a ) Furnishing inaccurate and misleading information FCRA 602/603 Failure to maintain accurate records FDCPA 1692d Harassment through repeated automated calls FDCPA 1692e False representation of debt FDCPA 1692f Unfair collection practices TCPA Use of auto-dialer calls without consent FTC Act 5 Unfair or deceptive business practices Unauthorized continuation of service after cancellation Unauthorized billing Attempt to assign or collect an invalid balance Requested Resolution : Remove the XXXX charge-off from TransUnion immediately Prevent XXXX  or XXXX  from re-reporting or re-assigning the alleged debt Cease all collection attempts Provide written confirmation of full account closure with a {$0.00} balance Correct all reporting errors on my TransUnion file This situation has caused unnecessary stress, harassment, and harm to my credit file despite my proper cancellation and lack of any legally owed balance.

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