Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is a renewed complaint because the company failed to provide legally required documentation in their prior CFPB response. 
XXXX XXXX continues to report and attempt to collect on a fraudulent XXXX account that I disputed as identity theft and unauthorized use of my personal information. I sent a Certified Cease and Desist on XX/XX/year>. Despite that, XXXX XXXX continued collection communications and continued furnishing data to the credit bureaus. 
XXXX XXXX  responded to the prior CFPB complaint by admitting they DO NOT have validation in their possession ( we will request validation ) yet they continue reporting, which is a violation of the FDCPA, FCRA, Regulation F, and the New Jersey Collection Agency Bond Law. 
TransUnion and XXXX  continue reporting the same unvalidated, identity-theft-related tradeline without proof of permissible purpose, ownership, assignment, or validation from XXXX XXXX. 
I am requesting the CFPB compel XXXX XXXX, TransUnion, and XXXX  to delete the fraudulent tradeline immediately. 
2. FDCPA Violations by XXXX XXXX  FDCPA 805 ( c ), 15 U.S.C. 1692c ( c ) XXXX XXXX contacted me AFTER receiving my written Cease and Desist ( Certified Mail ).

This is illegal.

FDCPA 807 & 808 They continued implying lawful authority to collect, implying they had documentation that they do not have, and using unfair/deceptive collection practices.

Regulation F 12 C.F.R. 1006.6 Postcease-communication restrictions were violated.

Admission of illegal activity in CFPB response In the prior complaint, XXXX XXXX  responded : We will request validation This means they never had validation at the time they were collecting AND reporting.

Under FDCPA, they are required to have validation before contacting or collecting.

3. New Jersey Law Violations N.J.S.A. 45:18-1 et seq. Collection Agency Bond Law Any company collecting debt in New Jersey must maintain a {$5000.00} surety bond filed with the Department of Banking & Insurance. 
XXXX XXXX  did not provide the bond issuer, bond number, active dates, proof of filing OR any certified verification Instead, they listed a Certificate of Authority number, which is NOT a bond and does not satisfy the statutory requirement.

NJ Consumer Fraud Act N.J.S.A. 56:8-1 et seq.

Continuing to furnish, collect, or threaten collection on a fraudulent and unvalidated account is an unconscionable commercial practice.

4. FCRA Violations by XXXX XXXX, TransUnion, and XXXX  FCRA 1681b No Permissible Purpose. XXXX XXXX has no legal basis to obtain, use, or furnish my information.

FCRA 1681s-2 Furnishers must investigate accuracy. XXXX XXXX continues reporting without validation or proof of ownership.

FCRA 1681c-2 Identity Theft Block I reported this as identity theft. 
TransUnion and XXXX must block identity-theft-related information upon dispute unless the furnisher provides certified legal proof.

No such proof exists.

FCRA 611 ( a ) ( 5 ) ( A ) Obligation to delete unverified information. XXXX XXXX provided no validation, yet TransUnion & XXXX  continue reporting the item. 
5. XXXX XXXX  CFPB Response Was Legally Insufficient Their response contained No validation, No contract, No proof of permissible purpose, No assignment, No itemized account history, No NJ Collection Agency Bond, No identity-theft compliance documentation They simply stated they will request validation, proving they have NEVER had lawful authority.

This is not a legally sufficient nor compliant response under state or federal law.

I previously requested full debt validation including : the original signed contract, itemized account history, proof of ownership or assignment, the New Jersey Collection Agency Bond and documentary proof of permissible purpose under the FCRA none of which XXXX XXXX  provided to me or to the CFPB. I also requested TransUnion and XXXX  to remove this fraudulent tradeline pending validation, and they failed to provide documentation of any permissible purpose or certification supporting continued reporting.

6. Requested CFPB Action I am requesting the CFPB to compel XXXX XXXX, TransUnion, and XXXX  to : Delete the fraudulent XXXX XXXX tradeline immediately under FCRA 611 ( a ) ( 5 ) ( A ), FCRA 1681c-2 ( Identity Theft Block ), FDCPA 807 & 808, NJ Consumer Fraud Act Require XXXX XXXX  to produce documentary proof including Original signed contract, Complete account history, Assignment/ownership documentation, New Jersey Collection Agency Bond, Verified permissible purpose , Identity theft investigation records If they can not provide this, deletion must be mandated. 
Refer XXXX XXXX  to NJDOBI for operating without a legally required NJ bond.

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