Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
XXXX XXXX XXXX ( formerly XXXX XXXX XXXX ), Experian, Equifax, TransUnion Previous CFPB Complaint # : XXXX This is a follow-up regarding XXXX rental accounts reported on my credit reports by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) that are entirely inaccurate. I firmly believe this has followed from the recent Transunion and Equifax breaches, which have been proven and I have been awarded judgement for. 

Elite XXXX West : {$300.00} Lakefront Villas : {$5500.00} The XXXX : {$4400.00} XXXX XXXX XXXX has responded to my previous complaint claiming that they have already provided verification. I have never received any mail, letters, emails, or phone calls verifying these accounts. No evidence has been provided to prove ownership, chain-of-title, or validity of these alleged debts. 

I formally demand proof of validation, including : - The exact method of validation used - Copies of any letters or documentation sent to me- Dates of any alleged communications - Any other records demonstrating the validity and ownership of these debts Reporting debts for addresses I have never resided at, without verification, constitutes a willful violation of federal law, including : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : obligation to provide accurate information FCRA 1681i ( a ) ( 1 ) ( A ) & 1681i ( a ) ( 6 ) ( B ) ( iii ) : duty to investigate and reinvestigate disputed information FCRA 1681e ( b ) : maintain maximum possible accuracy FDCPA 809 ( b ) / 1692g ( b ), a debt collector must provide verification of any disputed debt upon request Texas XXXX XXXX XXXX XXXX XXXX : prohibiting false or misleading information in collections The burden of proof is on XXXX XXXX XXXX, not me. If they can not provide verifiable proof, all three accounts must be immediately deleted from all credit bureaus. 

Demand & Warning : - Provide full verification documentation immediately, including letters, copies, dates, and method of validation. 
- Cease all reporting and collection activity until verifiable evidence is produced. 
- Delete these accounts from all credit bureaus if verification can not be produced. 
- Confirm in writing that the accounts have been removed or corrected. 

Be advised that if XXXX XXXX XXXX or the credit bureaus ( Experian, Equifax, TransUnion ) remains out of compliance, I will pursue all available legal remedies, including : Civil action for actual and statutory damages under FCRA and FDCPA XXXX of attorney fees and costs Potential claims for willful noncompliance resulting in additional statutory penalties Failure to comply constitutes willful and knowing violation of federal and state law, causing demonstrable harm to my credit, housing, employment, and financial opportunities.

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