Consumer complaint received 2025-05-04 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX TransUnion P.O. XXXX XXXX XXXX, PA XXXX RE : FINAL DEMAND TO DELETE UNVERIFIED COLLECTIONS & CHARGE-OFFS IMMEDIATELY LEGAL NOTICE UNDER FCRA, UCC, AND FEDERAL LAW To Whom It May Concern, This letter serves as a formal and final demand for the immediate deletion of the following derogatory accounts from my TransUnion credit report. These accounts are being reported illegally, without proper verification or documentation, in violation of my rights under federal law. 

DISPUTED ACCOUNTS : XXXX Account # : XXXX Type : Collection Balance : {$5500.00} XXXX XXXX Account # : XXXX Type : Collection Balance : {$670.00} XXXX FUNDING Account # : XXXX Type : Collection Balance : {$1400.00} CAPITAL XXXX Account # : XXXX Type : Charge-off Balance : {$520.00} XXXX Account # : XXXX Type : Charge-off Balance : {$7500.00} XXXX Account # : XXXX Type : Charge-off Balance : {$2800.00} LEGAL VIOLATIONS COMMITTED BY CONTINUED REPORTING : Before these accounts were reported to my credit profile, did TransUnion receive original and proper documentation directly from the furnishers proving the validity of each debt? If not, this is a direct violation of the Fair Credit Reporting Act. 

According to FCRA guidelines, the bureaus must not only verify data upon dispute but must also ensure they had a legitimate basis and documentation to report such information in the first place. Reporting unverifiable data without evidence constitutes willful noncompliance. 

FCRA 1681b No documented permissible purpose to report these accounts FCRA 1681i Failure to verify these accounts with original documentation within required timeframe FCRA 1681e ( b ) Failure to ensure maximum possible accuracy of data FCRA 609 ( a ) ( XXXX ) You are required by law to provide a copy of the original signed contract used to verify each debt UCC 3-501 Demand for presentment of the original instrument ( wet-ink signature ) UCC 1-308 All rights reserved without prejudice FDCPA 809 ( b ) Lack of proper debt validation from furnishers FINAL WARNING 15-DAY LEGAL DEADLINE : You are hereby put on notice : you have 15 calendar days from the receipt of this letter to do the following : DELETE all accounts listed above from my TransUnion credit report PROVIDE full validation for each account, including original contracts and proof of chain of assignment CONFIRM deletion or validation results in writing Failure to comply will result in the following actions : Immediate complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission XXXX FTC ), and State Attorney General Legal action pursued under FCRA 616 & 617 for willful noncompliance and defamation Civil damages, attorney fees, and injunctive relief sought in federal court This is your final opportunity to comply with federal law before escalation. I expect nothing less than full deletion or proper legal validation. 

Sincerely, XXXX XXXX XXXX

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