Consumer complaint received 2025-10-05 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: GA

Complaint narrative:
Unlawful Medical Collection Reporting by XXXX XXXX XXXX Collections Violations of FCRA, FDCPA, HIPAA Request for {$1000.00} in Damages XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Summary On or around XX/XX/year>, XXXX XXXX XXXX XXXX reported a medical collection account to XXXX XXXX  TransUnion XXXX XXXX in the amount of XXXX XXXX  {$1100.00} XXXX XXXX  This account was added to my credit report without my knowledge, consent, or prior validation. It is listed as a * * medical debt * *, yet no documentation was provided to me beforehand.

Violations of Law * * FCRA 1681c ( a ) ( 8 ) * * Medical debts * * can not be reported * * unless they are * * older than one year * *, * * exceed {$500.00} * *, and have been * * validated * *. This debt appeared less than 30 days after the alleged account opening date and violates these federal requirements.

* * FCRA 1681s-2 ( a ) * * The collector has a duty to report only * * verified and accurate * * information. No such verification was made available to me before this account appeared.

* * FDCPA 1692g and 1692e ( 8 ) * * The collector failed to provide the legally required debt validation notice. Reporting an account without proper validation and without notifying the consumer is a direct violation of federal law.

* * HIPAA ( Potential Violation ) * * If the underlying debt is medical in nature, I have not received or authorized any HIPAA-compliant release of my personal health information to a third-party debt collector.

Harm and Damages As a result of this improper and negligent reporting : * My credit score dropped significantly. ( see screenshot ) * I experienced financial stress, reputational damage, and difficulty qualifying for essential credit products.

* This situation has caused * * emotional distress * * and interrupted my financial goals through no fault of my own.

I am formally requesting the following : 1. * * Immediate removal * * of the XXXX XXXX XXXX XXXX account from all credit bureaus. 
XXXX. * * A full investigation * * into XXXX XXXX XXXX XXXX for noncompliance with federal consumer protection laws. 

XXXX. * * Confirmation * * that this company is held accountable for its unlawful credit reporting practices.

4. * * Monetary compensation in the amount of {$1000.00} * * for the harm caused by the negligent and unlawful reporting of this unvalidated medi

cal collection. This request is made under my rights pursuant to * * 15 U.S.C. 1692k ( a ) ( 1 ) and ( 2 ) ( A ) * *, which entitles individuals to damages for violations of the * * FDCPA * * and * * FCRA * *.

This reporting is legally noncompliant, harmful, and negligent. I respectfully request the CFPBs immediate assistance in resolving this matter and holding this company accountable under the law.

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