Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau, I am submitting this complaint to formally dispute housing-related debt that is currently being reported on my credit reports by XXXX, TransUnion, and XXXX. This debt resulted directly from documented XXXX  XXXX, court-ordered separation, and loss of housing stability between XX/XX/XXXX and XX/XX/XXXX. I am requesting CFPB assistance to ensure this inaccurate and harmful information is removed. 

Below is a detailed timeline and explanation of events, all of which are supported by court orders and official documentation. 

On XX/XX/XXXX, the XXXX XXXX XXXX XXXX in and for XXXX XXXX , Florida, issued a Temporary Injunction for Protection Against XXXX XXXX XXXX The court made specific findings that I was a victim of XXXX  XXXX and/or in imminent danger. As part of this injunction, the Respondent was ordered to have no contact with me, remain at least XXXX feet away from me and the shared residence, vacate and remain away from the apartment, and surrender firearms. I was granted temporary exclusive use and possession of the home. 

On XX/XX/XXXX, a XXXX Police Department case report was generated documenting law enforcement involvement related to the XXXX  XXXX incident at the shared residence. 

Between XXXX and XX/XX/XXXX, court hearings were held and the Temporary Injunction was continued, maintaining all no-contact, stay-away, and removal provisions. These extensions reflected ongoing judicial recognition of the danger and the necessity of separation. 

By XX/XX/XXXX, due to the court-ordered removal of the Respondent, the loss of the households primary income ( as the Respondent was the primary breadwinner ), and ongoing safety concerns, I was unable to safely or financially maintain the apartment. As a direct result of these circumstances, I was forced to turn in the apartment keys and vacate the residence. This was not a voluntary abandonment of housing but a necessary action taken for safety and survival. 

From XX/XX/XXXX through XX/XX/XXXX, I resided at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, a XXXX  XXXX shelter. During this time : The Respondent did not return to the residence The Respondent did not contribute to rent or housing expenses The Respondent resided with family ( his mother ) Between XXXX and XX/XX/XXXX, the Injunction for Protection Against XXXX XXXX was extended multiple times, including extensions through XXXX, XXXX, and XX/XX/XXXX, further demonstrating continued court recognition of risk and enforcement of separation. 

On XX/XX/XXXX, the court issued an Extension of the Temporary Injunction for Protection Against XXXX XXXX. The injunction was reissued on XX/XX/XXXX, and extended through XX/XX/XXXX, or until a Final Judgment is entered and served. The court reaffirmed that XXXX  XXXX had occurred and that I remained in need of protection. All prior provisions remained in effect, including no-contact orders, stay-away requirements, exclusive possession of the residence, and firearm surrender requirements. 

After XX/XX/XXXX, housing-related debt was later reported to both parties credit reports despite the fact that : The separation was court-ordered The housing loss was directly caused by XXXX  XXXX I had a documented XXXX  XXXX shelter stay I was complying with all court orders The Respondent, as the primary breadwinner, failed to contribute financially Reporting this debt against my credit is inaccurate, unfair, and harmful. It penalizes me for surviving XXXX  XXXX and complying with court orders designed to protect my safety. The Fair Credit Reporting Act requires credit reporting to be accurate and complete, and this reporting fails to account for the legal and factual circumstances surrounding the housing loss. 

I am respectfully requesting that the CFPB investigate this matter and require XXXX, TransUnion, and XXXX  to remove the housing-related debt from my credit reports, as it is directly attributable to documented XXXX  XXXX and court-ordered separation. 

Thank you for your time and assistance in addressing this matter.

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