Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXX XXXX XXXX DOB XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Request to Investigate and Remove Unverified Collection Accounts Dear [ XXXXTransUnion ], I am writing to dispute the reporting of certain collection accounts on my credit report. Specifically, XXXX, Transunion, XXXX has reported negative information on my credit report. This account is inaccurate, unverifiable, and not compliant with applicable laws. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies must ensure that all information reported is accurate, complete, and verifiable. Furthermore, as stipulated under 15 U.S.C. 1681i, when a consumer disputes the accuracy of information, you are required to investigate the matter within 30 days and delete or correct any information that can not be verified. 

XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Home/Office Furnishings ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Department/Variety and Other Retail ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX + Bank ( XXXX ) XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX + + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX Department/Variety and Other Retail ( XXXX ) XXXX + + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiry : XXXX. XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Persona ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX XXXX Inquired XXXX On record XXXX XXXX XXXX Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX XXXX Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX XXXX Inquired XXXX On record XXXX XXXX XXXX XXXX  Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX XXXX Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX  XXXX Inquired XXXX XXXX record untilXX/XX/XXXX XXXX XXXX Inquired XXXX On record XXXX XXXX XXXX XXXX XXXXXXXX Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX XXXXXXXX Inquired XXXX XXXX record untilXX/XX/XXXX XXXX XXXX  Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX  Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX  Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX On record XXXX XXXX XXXX XXXX XXXX XXXX  Inquired XXXX On record XXXX XXXX XXXX XXXX XXXX XXXX  Inquired XXXX On record XXXX XXXX XXXX XXXX XXXX XXXX  Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired XXXX On record untilXX/XX/XXXX XXXX Inquired XXXX XXXX XXXX untilXX/XX/XXXX XXXX XXXX Inquired XXXX On record XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX On record XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX XXXX Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX Inquired XXXX On record XXXX XXXX XXXX Inquired XXXX On record untilXX/XX/XXXX XXXX Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX  Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX Inquired XXXX On record untilXX/XX/XXXX Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., protects consumers from unfair debt collection practices. As per 1692g, a debt collector must provide a validation notice to confirm the legitimacy of the debt. If the collection agency has not furnished such documentation, their report on my credit file is unlawful. 
Per my understanding, I have never signed an agreement or contract with XXXX XXXX TRANSUNION granting them authority to collect on this alleged debt. Without proper documentation or validation of this claim : This account may violate state laws regarding debt collection and credit reporting, which often require proof of assignment or purchase of the debt.

Reporting this debt as valid without proper verification could constitute a violation of 15 U.S.C. 1681s-2 ( b ), which prohibits furnishers of credit information from reporting inaccurate or unverified information. 
I am requesting the following : 1. Proof of the original agreement/contract that I signed, granting authority to collect this debt.

2. Evidence of compliance with state laws governing debt collection and credit reporting practices.

3. Verification of the original creditors authorization for the collection agency to report this debt on my credit file. 
If the above can not be provided, I demand that this account be removed from my credit report immediately. Failure to do so could result in further action to protect my rights under both federal and state laws. 
Please complete your investigation within the 30 days required by law and provide a written statement detailing your findings. Enclosed are copies of my identification and proof of address to assist in your investigation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXX XXXX XXXX DOB XX/XX/XXXX

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