Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I, XXXX XXXX, being duly sworn, depose and state as follows : XXXX. I am the undersigned affiant, over the age of XXXX ( XXXX ), and competent to testify to the matters stated herein. 
XXXX. I am the subject of a credit report dated XX/XX/year>, which includes a tradeline from XXXX XXXX showing derogatory information. 
XXXX. The information being reported includes an inaccurate move-out date, which I dispute as incorrect based on my records and correspondence with the leasing office. 
XXXX. I attempted multiple times to schedule a move-out inspection with the leasing office, but no inspection was ever completed. I was never provided with a copy of a move-out inspection report bearing my signature. 
XXXX. I have never received a copy of the original lease agreement bearing my wet signature from any party attempting to collect or report this debt. 
XXXX. This account has been reported by multiple collection agencies, including XXXX XXXX XXXX and XXXX XXXX. I have not been notified or provided any explanation as to how these entities obtained my private information. 
XXXX. I have never received a copy of any assignment contract, forward flow agreement, or chain of assignment that demonstrates any legal right by any third party to collect or report this alleged debt. 
XXXX. I previously submitted a cease and desist notice to XXXX XXXX and its associated XXXX. Despite this, they continue to report this debt to the credit bureaus, in violation of my rights under federal and Florida law. 
XXXX. The statute of limitations under Florida law for collecting on this type of agreement has expired, rendering the alleged debt uncollectible by law. 



NOTICE OF FORMAL DISPUTE & DEMAND FOR REMEDY Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : USPS Certified Mail w/ Return Receipt Subject : Formal Dispute of Inaccurate, Unlawful, and Privacy-Violating Credit Reporting and Demand for Immediate Remedy Dear XXXX XXXX and Related Collection Entities XXXX I, XXXX XXXX, am writing to formally dispute and demand remedy for violations associated with the reporting, handling, and assignment of the alleged debt related to a rental lease account. The following summarizes my position, and the legal remedies sought : Creditor/Furnisher : XXXXXXXX XXXX XXXX XXXX Account Number : ending XXXX Credit Report Date : XX/XX/year> Report ID : XXXX I. VIOLATIONS AND UNLAWFUL ACTIVITY Inaccurate Move-Out Date Reporting The move-out date reflected in your reporting is factually inaccurate. I dispute this item in its entirety and request supporting documentation.

Failure to Provide Original Lease Agreement You are hereby demanded to provide the original, unaltered lease agreement containing my wet signature.

Failure to Provide Move-Out Inspection No legally compliant move-out inspection was ever completed, despite my documented efforts to schedule this with the leasing office. If an inspection exists, I demand a copy bearing my wet signature as required by Florida Statutes 83.49 and applicable lease terms.

Statute of Limitations Expired The last activity related to this account occurred more than five years ago, which places the claim beyond the statute of limitations for written contracts under Florida Statute 95.11 ( 2 ) ( b ).

Improper Assignment and Reporting to Multiple Entities This account has been reported by more than one collection agency across different times. You are demanded to provide : 1. The original Assignment Contract ; 2. The Forward Flow Agreement outlining sale/transfer terms ; 3. The Chain of Assignment documentation showing legal transfer of rights.

Additionally, you must explain how and why my nonpublic personal information was shared with each of these collection companies. This may constitute a violation of my rights under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 et seq. ).

Failure to Comply with Cease and Desist I previously submitted a written cease and desist request to 09 Luce and associated entities. Despite this, you have continued to furnish derogatory tradelines on my credit report, which constitutes unlawful communication under FDCPA 1692c ( c ), FCRA 1681s-2 ( b ), and Florida Statute 559.72.

II. FORMAL DEMAND FOR DOCUMENTATION To resolve this matter, please provide the following documents within 15 calendar days : 1. Original lease agreement with my wet signature.

2. Move-out inspection report with my wet signature.

3. Assignment contract from the original creditor to your agency.

4. Forward Flow Agreement outlining the debt portfolio terms.

5. Chain of Assignment proving legal authority to collect and report.

6. A list of all entities who have accessed or received my data, along with legal justification.

III. DEMAND FOR REMEDY As the debt is both time-barred and improperly reported, I hereby demand : - Permanent deletion of all tradelines and references to this account from XXXX XXXX and TransUnion ; - Full cessation of all collection activity, directly or indirectly ; - Confirmation that no third-party has any authority or claim to this account ; - Immediate compliance with state and federal privacy laws.

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