Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Transunion TransUnion LLC XXXX XXXXXXXX XXXX XXXXXXXX XXXX PA XXXX Re : Dispute of Inaccurate Information Credit Report File Number : XXXX Account Number : XXXX XXXX {$540.00} Please SEE Federal trade commission Report on my Identity Theft FTC Report Number : XXXX I am writing to formally dispute Account Number : XXXX XXXX {$540.00} that is being reported on my credit file, as provided by your credit bureau XXXX -- -This information is inaccurate, incomplete, and unverifiable. -- -As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you validate and verify the following disputed account. 
1. Disputed Account Details : Account Name : [ XXXX XXXX XXXX ] Account Number : XXXX Date of Report : [ Date the item appeared on your credit report ] I dispute the validity of this account -See FTC Identity Theft Report attached Federal Trade Commission XXXX FTC Report Number : XXXX As per FTC upon this report of Identity theft : XXXX TransUnion is required to- Provide copies of : 1. Account applications made on paper, online, or by telephone 2. Signatures on applications and accounts 3. Investigators report 4. Stop reporting information about this debt 5. Provide me with the records I requested 2. Request for Debt Verification under FCRA, Section 609 : As per Section 609 of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681g ), I am requesting that you provide me with the following documentation regarding the alleged debt : 1. The original signed contract with my wet signature 2. My agreement with the creditor Proof that XXXX has the legal right to collect this debt 3. Copy of ALL documentation TransUnion used during this investigation 4. Upon investigation, Transunion must provide a notice which should detail the actions taken, to prove the accuracy of their investigation 3. Request for Investigation of the Dispute : As requested under the FCRA, I ask that you investigate the accuracy of this account and provide me with the results of your investigation. If the information can not be verified within the 30-day period, I request that the account be removed from my credit report in accordance with FCRA Section 611 ( 15 U.S.C. 1681i ). 
4. Notice of Right to Dispute : Please be advised that under FCRA Section 611 ( 15 U.S.C. 1681i ), you are required to complete the investigation and notify me of the results within 30 days of receiving this dispute. If the information is found to be inaccurate, you must correct or delete it accordingly.

If you are unable to verify the debt, please ensure that the following actions are taken : The debt is removed from my credit report. 
Any reference to the debt is corrected and marked as disputed. 
No further collection activity takes place if the debt is not valid. 

5. Failure to Comply : Please note that under Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, if the credit reporting agency fails to conduct a reasonable investigation or fails to correct inaccurate information, I may seek remedies through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office.

Conclusion : I request that you respond to this dispute with the required documentation and investigation results within 30 days of receipt of this letter. Should you fail to respond or provide adequate proof, I expect that the disputed account be removed from my credit file. 

Key Legal References : 1. Fair Credit Reporting Act ( FCRA ) : o Section 609 ( 15 U.S.C. 1681g ) : Right to request proof and verification of the debt.

o Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and request an investigation.

o Section 1681s-2 ( a ) : Prohibition on reporting inaccurate or unverified information. 





XXXX XXXX XXXX XXXX Please DELETE XXXX Failed to prove ownership of this debt XXXX  has failed to provide Purchuse agreement XXXX has failed to provide original contract XXXX  has failed to provide my signature on any contract XXXX failed to provide a copy of credit application with my signature for this debt Transunion has failed to provide my signature on any purchase agreement between ME and with XXXX Transunion has failed to provide my any contract between me and XXXX Transunion has failed to provide any contract between XXXX and XXXX XXXX Transunion has failed to prove that the amount on purchase agreement is the amount reported by XXXX on my Credit report. 
Transunion has failed to prove that I applied for this debt Transunion has failed to provide a copy of credit application with my signature for this debt IN LAST 3 YEARS Transunion has refused to provide the documents below as required by Federal and Florida state laws : 1. My signature ( wet ) on the contract for this debt ( failed to provide ) 2. Chain of title for this debt ( failed to provide ) 3. Chain of title that gives XXXX and legal authorization to collect on this debt ( failed to provide ) 4. Any and ALL insurance claims filed on this debt ( failed to provide ) 5. Originally signed contract that shows I am responsible for this debt ( failed to provide ) 6. My credit application for this debt ( failed to provide ) 7. Provide verification /documentation to why am I required to pay this debt to XXXX XXXX. Proof that XXXX has the legal authority to collect on this debt ( Failed to provide ) 9. Transunion is the ONLY Credit Bureau that have Failed to correct this Inaccuracy in my credit report ( Both XXXX and XXXX deleted this account as -Unverifiable -Unable to validate debt ) While Both XXXX and XXXX have Deleted these same incorrect data form my Credit report Transunion has , regrettably, chosen to disregard the truth and outragedly refuse to delete the FALSE data TransUnion misrepresentation of a phone ( s ) as mine, of addressee ( s ) as mile, of incorrect social security presented as mine are outrages and unacceptable Moreover, TransUnion 's continued hindrance of my ability to access my credit report and open a new dispute is deeply troubling. 
In light of these concerns, I am formally requesting an immediate and thorough investigation into all actions taken by TransUnion, along with a detailed examination of the evidence and methods employed to arrive at the conclusion that the disputed debt is valid and should remain on my account. 
Additionally, I urge an investigation into TransUnion 's potential exploitation of XXXX  citizens, XXXX XXXX  citizens like me, particularly those lacking the financial and legal resources to challenge the company 's documented history of : Providing inaccurate information on credit reports Creating difficulties in resolving disputes Exhibiting customer service issues Failing to address data security and privacy concerns Non-compliance with regulatory requirements At the conclusion of the investigation, I seek compensation for : 1- the emotional distress that TransUnion has caused and continues to cause me 2- The financial hardship that TransUnion has caused and continues to cause me 3- The public embarrassment that TransUnion has caused and continues to cause me 4- The hindrance in obtaining employment that TransUnion has caused and continues to cause me.

5- Transunion to be fully investigated and held accountable for exploiting XXXX  citizens like myself, defrauding XXXX  citizens like myself, with their false /inaccurate / improper / derogatory information 6- Transunion be held accountable for -Inaccurate, false statements made in my credit report and refusing to remove them upon dispute -Damaging my reputation with the derogatory statements and refusing to remove them upon dispute -Punitive damages I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will diligently investigate the issues raised herein. 

Attached to this complaint : 1. Identity theft Report with Federal Trade Commission ( FTC Report Number : XXXX ) 2. FTC -Notice to Furnish Sincerely, XXXX XXXX XXXX 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 non-monetary relief