Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The disputed account is listed under IC Systems Collections, Account # [ Your Account Number ], with the original creditor XXXX XXXX XXXX XXXX 

Disputed Inaccuracies : Incorrect High Balance The high balance is reported as {$370.00}, but the account balance is {$420.00}. This discrepancy raises concerns regarding the accuracy of this reporting. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum accuracy, and I request verification or correction of this information.

Incorrect Account Open Date The account shows an open date of XX/XX/XXXX, which appears to be incorrect or future-dated. I request validation and correction under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Incorrect Past Due Amount The past due amount is listed as {$420.00}, which does not align with my records. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), furnishers of information must provide accurate reporting, and I request an investigation into how this amount was calculated. 
Debt Validation Request This account is reported as being in collections, but I have not received proper documentation proving the validity of this debt. Under 15 U.S.C. 1692g, I request full validation, including : Proof that I owe this debt A breakdown of the charges Any signed agreements or contracts that demonstrate my obligation to pay Potential Reporting Violation The estimated removal date for this item is listed as XXXX/XXXX, but inaccurate reporting can extend the negative impact of an account beyond what is legally allowed. Per 15 U.S.C. 1681c ( a ) ( 4 ), collections must not be reported longer than 7 years from the date of first delinquency. If this reporting is incorrect, it must be corrected immediately. 
Request for Action Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), I request that the disputed information be corrected or deleted if it can not be verified. Please provide a written response with the results of your investigation within 30 days, as required by law. 

If this information can not be verified, I demand its immediate removal from my credit report under 15 U.S.C. 1681c ( a ) ( 4 ).

Enclosures : Copy of my credit report with the disputed items highlighted Any supporting documents proving inaccuracies I appreciate your prompt attention to this matter. Please respond in writing confirming the resolution of this dispute. If I do not receive a satisfactory response, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Sincerely, [ 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