Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am disputing a collection account reported on my TransUnion credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account # [ Insert ] ) with an open balance of XXXX XXXX  {$3700.00} XXXX XXXX, last reported XX/XX/XXXX. The original creditor is listed as XXXX XXXX XXXX XXXX XXXX which has * * removed this account from my credit report * *, yet it continues to appear on TransUnion, indicating inaccurate reporting. 

I have * * never received any documentation, verification, collection letters, or notices * * regarding this alleged debt. XXXX XXXX XXXX has * * failed to provide validation * * as required under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p * *, which mandates that a debt collector must provide verification upon request and prohibits attempts to collect unverified debts. 

TransUnions reporting of this account constitutes a violation of the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x * *, which requires consumer reporting agencies to ensure that reported information is accurate, complete, and verifiable, and to remove any information they can not verify. The removal of this account by XXXX  demonstrates that the information is unverifiable, yet TransUnion continues to report it, causing demonstrable harm to my creditworthiness. 

* * History of XXXX Misconduct and Legal Precedent : * * 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX  ) XXXX XXXX Addressed FDCPA violations, improper assessment of fees, and collection of unverified debts. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX, XXXX XXXX XXXX XXXX Court found misleading debt collection communications. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX, XXXX ) XXXX XXXX Allegations included false and misleading letters and reporting unverifiable debts. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX, XXXX XXXX XXXX XXXX FCRA violations for reporting debts not owed. 
XXXX. * * CFPB Investigation / Civil Investigative Demand ( CID ) * * : On XX/XX/XXXX, the CFPB issued a CID against XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Case No. XXXX ) investigating whether XXXX engaged in unfair, deceptive, or abusive debt collection practices, including furnishing inaccurate information to credit reporting agencies in violation of the * * CFPA, FDCPA, and FCRA XXXX *. ( [ CFPB XXXX Petition ] ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Complaint Patterns : XXXX XXXX XXXX XXXX reports over XXXX XXXX XXXXXXXX complaints in the last three years * * against XXXX for failure to provide verification and reporting debts inconsistently across credit bureaus. 
* Online reviews and forums consistently report that XXXX repeatedly attempts to collect debts without documentation and reports unverifiable debts. 

* * Impact : * * This account has caused significant harm, including * * damage to my credit score and my ability to obtain credit * *. Despite my formal dispute, TransUnion has * * failed to investigate or remove the unverifiable account * *, thereby perpetuating the violation.

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