Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Subject : Request for Verification and Validation Under Consumer Protection Laws XXXX  XXXX Account Dispute Complaint Details : This is my third dispute related to the XXXX XXXXXXXX account referenced in the attached investigation results. Despite my efforts, TransUnion continues to report the account as verified without providing any tangible evidence of verification or validation. I am a victim of a data breach, and my personally identifiable information ( PII ) may have been compromised, raising serious concerns about the legitimacy of this account. TransUnions failure to properly investigate and Capital Ones failure to provide documentation are clear violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Specific Issues : 1. Repeated Verified Status by TransUnion : TransUnion continues to label this account as verified without supplying adequate evidence or documentation that supports the accuracy of the account. This violates FCRA 611 ( a ) ( 1 ) ( A ), which requires a reasonable investigation into disputes.

2. Failure to Provide Validation : XXXX XXXX has not provided legally required validation of the debt. No signed agreements, payment histories, or account records have been supplied in response to my requests, violating FDCPA 809 ( b ).

3. Data Breach Concerns : As a victim of a data breach, my PII may have been fraudulently used, further calling into question the validity of this account.

4. Consumer Law Violations : TransUnions failure to conduct a reasonable investigation under FCRA. 
XXXXXXXX XXXX failure to validate the debt under FDCPA. 

Requests : Provide Validation Documentation : TransUnion and XXXX XXXX must provide all documentation used to verify and validate this account, including : Signed agreements proving ownership of the account. 
Detailed payment histories and account records. 
Explanation of the investigation process used to verify this account. 
Delete the Account : If the requested documentation can not be supplied, this account must be deleted from my credit report immediately, as required under FCRA 611 ( a ) ( 5 ).

CFPB Investigation : I request that the CFPB investigate TransUnion and XXXX XXXX for their failure to comply with federal laws governing credit reporting and debt validation. 

Litigation Notice : Should this issue remain unresolved, I am prepared to pursue legal action against TransUnion and XXXX XXXX for noncompliance with FCRA and FDCPA, as well as the harm caused to my creditworthiness and financial stability. The repeated failure to provide verification or validation, combined with TransUnions unsupported verified status, constitutes grounds for litigation.

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