Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  XXXX {$3100.00} XX/XX/year> Subject : Request for Removal of Inaccurate Account XXXX  XXXX {$3100.00} Complaint : I am writing to dispute a charge account listed on my credit report from an entity labeled " XXXX XXXX  '' dated XX/XX/year>, for the amount of {$3100.00}. I have no knowledge of this account, and I do not recall ever opening or authorizing any account under this name. 

To date, I have received no communication or documentation regarding this account, and no validation of the debt has been provided to me. I believe this is either an instance of inaccurate reporting, identity theft, or outdated information that should no longer appear on my credit file. 

This account is negatively affecting my credit standing and should be removed immediately if it can not be verified with complete and legitimate supporting documentation. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and ensure that TransUnion and any relevant parties adhere to the Fair Credit Reporting Act ( FCRA ) by removing unverifiable or inaccurate information. 

I am formally requesting the removal of a " closed/charged off '' account currently appearing on my credit report, as it is causing ongoing and unwarranted harm to my creditworthiness.

1. Lack of Proper Validation and Notification I have not received complete documentation validating the original debt amount, the history of the account, or clear evidence that I was properly notified about the charge-off status in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). If the debt can not be fully validated with complete and accurate records, the account must be removed.

2. Account Is Stale or Reported Beyond Legal Limitations : If the date of first delinquency is more than seven years old, this account may exceed the FCRA 's statute of limitations for negative reporting. If this is the case, the account must be removed immediately per federal law.

3. Disproportionate Impact on Credit Despite Small Balance or Resolved Status : The balance on the charged-off account is either zero or paid, yet it continues to reflect negatively and severely affect my credit score. This results in a disproportionate penalty compared to the actual financial standing of the account, creating an unfair burden and hindering my ability to obtain fair credit opportunities.

4. Account May Be Misreported or Contain Inaccurate Information : Upon reviewing the tradeline, I have reason to believe there may be errors in the reportingsuch as incorrect balance, dates, or status. Inaccurate or outdated reporting violates the FCRA, which requires that only accurate, complete, and verifiable information be reported.

5. Negative Account Is Not Reflective of Current Credit Behavior : This account does not reflect my current financial situation or credit management. Since that time, I have demonstrated a consistent pattern of responsible credit usage, and retaining this item continues to penalize me for past issues that no longer represent my risk profile.

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