Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services, LLC (or Experian / TransUnion LLC)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXVIA CERTIFIED MAIL RETURN RECEIPT REQUESTED \nRE: FORMAL DISPUTE & DEMAND FOR DELETION OF FRAUDULENT COLLECTION ACCOUNT\nFull Name: XXXX XXXXReported Collection Account: XXXX XXXX XXXX XXXX XXXX XXXXDisputed Account Number: XXXXTo the Consumer Dispute Department:\nI am writing to formally dispute a fraudulent collection account on my credit report that is being reported by XXXX XXXX XXXX for a purported debt owed to XXXX XXXXThis account is not mine and the debt is fraudulent and invalid. I have irrefutable proof that this collection is a serious error, and your continued reporting of it violates the Fair Credit Reporting Act (FCRA).\nThe basis for my dispute is as follows:\nThe Original Debt was Fraudulent and Reversed by My Bank: The alleged debt stems from an unauthorized ACH debit. I filed a fraud claim with XXXX XXXX XXXX (Claim #: XXXX). After a full investigation, XXXX XXXX XXXX permanently credited my account on XXXX XXXX XXXX confirming the transaction was fraudulent and unauthorized. The attached documentation from XXXX XXXX XXXX  proves the debt is invalid.\nAll Equipment was Returned and Received: The account relates to equipment that was returned to and received by XXXX XXXX XXXX XXXX XXXX XXXX. This is confirmed by the attached XXXX XXXX receipt with tracking reference number XXXXYour reporting of this collection account is inaccurate, incomplete, and has caused significant harm to my creditworthiness.\nThis is a formal demand for immediate deletion of this account in its entirety from my credit file. Under Sections 611(a)(1)(A) and 623(b)(1) of the FCRA, you are required to conduct a reasonable reinvestigation of this disputed information and correct any inaccuracies within 30 days.\nFurthermore, you are obligated to forward all relevant proof I have provided (this letter and its enclosures) to XXXX XXXX XXXX to facilitate their investigation.\nPlease be advised: Failure to properly investigate and delete this proven fraudulent account will result in the filing of formal complaints against your company with the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC) for willful non-compliance with the FCRA. I will also pursue all available legal remedies to protect my rights.\nI expect written confirmation that this fraudulent collection account has been permanently deleted from my credit history.\nSincerely,XXXX XXXXEnclosures:\nCopy of XXXX XXXX XXXX Claim Resolution Letter (Permanent Credit)\nCopy of XXXX XXXX XXXX  Receipt (Proof of Return)'

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