Consumer complaint received 2025-01-15 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I am writing to formally address my concerns regarding the inadequate XXXX  investigation conducted by TransUnion concerning XXXXXXXX XXXX XXXX XXXX XXXX, which falsely claims to be the original creditor of a debt. This debt, as per their response under Reference ID : XXXX, lacks proper verification and is being misreported on my credit report. Below, I outline the issues in detail : XXXXXXXX XXXX XXXX Claims and Response : 1. False Creditor Representation XXXXXXXX XXXX XXXX  XXXX XXXX states that it is a third-party collection agency working on behalf of a client ( Frontier ). However, they misleadingly present themselves as the original creditor. 2. Failure to Provide Documentation : Despite my written requests for validation, XXXX XXXX XXXX has failed to provide original documentation of the alleged debt OR a purchase agreement. Specifically, a signed consumer contract as proof of the original obligation.Verification of the debt per Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). 3. Dispute Handling and Verification : XXXX XXXX XXXXXXXX claims they have never heard from me outside of disputes made directly to the credit bureaus. which should direct violation of written expressed permission AND the right to opt out BEFORE reporting, which is Defaming TransUnions Investigation Deficiencies : 1. Lack of Proper Verification : TransUnion has not provided any documentation showing how the information reported by XXXXXXXX XXXX XXXX XXXX XXXX was verified. Under Section 611 ( a ) ( 7 ) of the FCRA, you are required to provide the method of verification upon request, which you have not done. 2. Failure to Address Re-Aging of Debt : XXXXXXXX XXXX XXXXXXXX is reporting incorrect information by re-aging the account. The date of first delinquency is not accurately reflected, and the account is being reported as open, further damaging my credit. XXXX. Failure to Delete Unverified Information : As required under Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete information that can not be verified. TransUnion has failed to comply with this mandate despite multiple disputes.

Violations of Federal Laws : Fair Credit Reporting Act ( FCRA ) : Sections 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 7 ), and 611 ( 5 ) ( A ). Fair Debt Collection Practices Act ( FDCPA ) ** : Sections 809 ( b ) and 805 ( c ).- XXXX XXXX XXXX XXXX XXXXXXXX has violated FDCPA by ignoring my cease-and-desist letter and continuing to attempt collection activities. 
- Reporting re-aged account information constitutes a clear violation of FDCPA guidelines.

Demand for Resolution : 1. Immediate Deletion : TransUnion must promptly delete all unverified and misreported information concerning the account from XXXX XXXX XXXXXXXX XXXX XXXX. 

Intent to Pursue Legal Action : Please note that if the requested actions are not taken within the legally mandated timeframe, I will have no choice but to pursue legal remedies. Under Sections 616 and 617 of the FCRA, I am entitled to civil damages for noncompliance, and I fully intend to exercise my rights to enforce compliance with federal law. 

This is a final attempt to resolve this matter amicably. If no action is taken, I will escalate this issue to the Federal Trade Commission ( FTC ) and other regulatory authorities. 

I expect a prompt and detailed response within 15 days of receiving this letter.

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