Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must adhere to specific steps before reporting a debt to a credit reporting agency. This includes initial contact with the consumer, which can be in person, by phone, or through mail or electronic message. If using mail or electronic message, they must wait at least 14 days for a response. Within five days of initial communication, a written validation notice must be provided, unless the information was already given or the debt is paid.The validation notice must include : The debt amount.

The current creditor 's name.

A statement that the consumer has 30 days to dispute the debt.

An explanation that if disputed in writing within 30 days, verification will be provided.

Information on how to request the original creditor 's name and address within 30 days. 
The FDCPA prohibits reporting a debt to a credit reporting agency before these outreach efforts are made.Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Demand for Deletion of Account from Credit Reports Due to Violations of FDCPA and FCRAAccount Number : Unknown Dispute Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally demand the immediate deletion of the above-referenced account from all credit reporting agencies ( XXXX XXXX and TransUnion ) due to multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This demand is based on the improper handling of the account, failure to validate the debt, failure to resolve my fraud dispute, and non-compliance with federal regulations governing debt collection and credit reporting. 
Background and Violations XXXX. Improper Sale and Handling of the Account : The account in question was allegedly sold to XXXX XXXX and previously placed with XXXX XXXX XXXX for collection. On XX/XX/XXXX, I disputed the account with XXXX XXXX XXXX, alleging fraud. According to XXXX response dated XX/XX/XXXX, they were not informed of any prior dispute or fraud allegation when XXXX XXXX XXXX XXXX placed the account with them on XX/XX/XXXX. This indicates a failure by XXXX XXXX XXXX XXXX to properly communicate the accounts disputed status, which violates the FDCPAs requirement for accurate information sharing between creditors and third-party collectors ( 15 U.S.C. 1692e ).

2. Failure to Validate the Debt : Under 15 U.S.C. 1692g, debt collectors are required to send a written validation notice within five days of their initial communication and must cease collection activities if the debt is disputed within the 30-day dispute period until verification is provided. While Sunrise claims to have sent a validation of debt and an XXXX XXXX XXXX XXXX XXXX, I have not received adequate verification of the debt from either XXXX XXXX XXXX or XXXX XXXX. The failure to provide proper validation violates the FDCPA. 
XXXX. Non-Compliance with Credit Reporting Restrictions : According to the FDCPA and FCRA, a debt collector may not report a debt to credit bureaus until they have either spoken to the consumer directly about the debt or sent a written notice and waited a reasonable period ( generally 14 days ) to ensure deliverability. XXXX XXXX XXXX reported the account to credit bureaus on behalf of XXXX XXXX XXXX XXXX without confirming the validity of the debt or resolving the fraud dispute, which violates 15 U.S.C. 1692g and 15 U.S.C. 1681s-2 ( a ) of the FCRA. 
XXXX. Failure to Resolve Fraud Dispute : On XX/XX/XXXX, XXXX XXXX XXXX acknowledged my fraud allegation, ceased collection efforts, and forwarded my complaint to AT & T Mobility, instructing me to complete an XXXX XXXX XXXX XXXX XXXX. I complied with this request and sent the completed XXXX XXXX to XXXX XXXX XXXX XXXX Department as instructed. As of XX/XX/XXXX, XXXX than 90 days XXXXXXXX XXXX  XXXX has failed to respond or resolve the fraud dispute. This inaction violates the FCRAs requirement for furnishers of information to investigate and resolve disputes in a timely manner ( 15 U.S.C. 1681s-2 ( b ) ), typically within 30-45 days. 
XXXX. Continued Reporting of Disputed/Fraudulent Debt : Despite my dispute and the fraud allegation, the account continues to appear on my credit reports, causing harm to my creditworthiness. XXXX XXXX XXXX claims to have deleted the information reported to credit bureaus and closed the account back to XXXX XXXX XXXX with a notation of possible fraud. However, the accounts continued presence on my credit reports suggests that either XXXX XXXX or XXXX XXXX XXXX XXXX has failed to update or remove the account, in violation of the FCRA ( 15 U.S.C. 1681i ).

Demands Based on the above violations, I demand the following immediate actions : XXXX. Deletion of the Account from All Credit Reports : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX must immediately delete all references to this account from my credit files at XXXX XXXX, and TransUnion, pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), as the debt is disputed, unverified, and potentially fraudulent. 
XXXX. Cease All Collection Activities : All collection efforts by XXXX XXXX and XXXX XXXX XXXX must permanently cease, as required by XXXX U.S.C. 1692g ( b ), due to the failure to validate the debt and the unresolved fraud dispute.

3. Written Confirmation of Compliance : Within 10 business days of receiving this letter, provide written confirmation that the account has been deleted from all credit reports and that all collection activities have ceased. Include copies of communications sent to Equifax, Experian, and TransUnion instructing them to remove the account. 
XXXX. Investigation and Resolution by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX must complete its investigation of my fraud dispute, as required by 15 U.S.C. 1681s-2 ( b ), and provide written confirmation of the resolution within 30 days. If the account is determined to be fraudulent, XXXX XXXX XXXX must ensure its permanent removal from my credit reports and absolve me of any liability. 
Consequences of Non-Compliance Failure to comply with this demand within the specified timeframes will result in further action, including but not limited to : * Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) for violations of the FDCPA and FCRA. 
* Filing a complaint with the Federal Trade Commission ( FTC ) for unfair and deceptive practices. 
* Pursuing legal action for damages, including statutory damages of up to {$1000.00} per violation under the FDCPA ( 15 U.S.C. 1692k ) and actual and punitive damages under the FCRA ( 15 U.S.C. 1681n ). 
* XXXX XXXX XXXX XXXX XXXX failure to investigate the fraud dispute to the appropriate regulatory authorities. 
Supporting Documentation Enclosed with this letter are copies of the following : * My dispute letter dated XX/XX/XXXX, sent to XXXX XXXX XXXX. 
* XXXX XXXX XXXX response dated XX/XX/XXXX. 
* Proof of mailing the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
* Recent credit reports showing the accounts continued presence ( if applicable ).

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