Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
So now XXXX back to the drawing board with TransConfusion also known as TSIs Favorite Pen Pal as if I dont have anything else to do with my time other than fight for my consumer rights about their fraudulent credit reporting! I am formally disputing the validity of the collection account being reported by XXXX on my Transunion credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Transunion is required to ensure that any information furnished on my report is accurate and verifiable. XXXX has repeatedly provided only a move-out statement as verification of this alleged debt ( attached ). This document does not meet the standard of proper validation under the FCRA or the FDCPA, as it does not demonstrate that I am legally obligated to pay this alleged debt. I am demanding that Transunion confirm in writing whether it is relying on the attached move-out statement from XXXX to XXXX the validity of this collection account. If this is the only documentation Transunion has received, delete this collection account immediately as it does not constitute adequate proof of the debt. I also request that Transunion provide me with documentation or a detailed explanation of what Transunion has that Equifax did not, as both bureaus have now removed this account from my credit file. If Transunion can not fully verify this account within 30 days of receipt of this letter, Transunion must delete the account from my credit report as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Because this matter has been in dispute for months in this platform and almost XXXX XXXX of disputes with no adequate proof provided, I am also requesting that Transunion mark this account as in dispute on my credit report until full verification or deletion occurs. Please be advised that I am now in touch with consumer law attorneys and am prepared to move forward with legal action for noncompliance under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. If this matter is not resolved promptly, I will have no choice but to escalate it legally. 

I disputed this account with Equifax. After its reinvestigation, XXXX  deleted the XXXX account from my credit file because the furnisher could not verify the information and I have provided transunion with that proof on this platform along with several other documents of proof this is not owed that you all continue to disregard! Just like the data breach you have now a disregard for protection of consumers! Sloppy work! 


Because the information has been deemed unverifiable and inaccurate by another XXXX XXXX XXXX XXXX, I am formally requesting that TransUnion follow suit and immediately delete the same XXXX account from my credit file. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are obligated to ensure maximum possible accuracy of the information you report. Retaining an item already deleted by another bureau, and which remains unverified, violates this principle. 

Please provide written confirmation of deletion or, alternatively, a copy of full verification from XXXX that substantiates this debt. If TransUnion continues to report unverified information, I will consider escalating with counsel! 

Please look at the attached that XXXX has botched and added i just know a FCRA is not using this to damage my credit! Confirm if you are using this and delete it immediately!

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