Consumer complaint received 2025-11-11 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:
Re : Formal Dispute Inaccurate and Unverified Reporting of Collection Account Consumer : [ Clients Full Name ] Account : XXXX XXXX XXXX ( XXXX XXXX Account {$170.00} Balance ) Date Opened ( per report ) : XX/XX/year> Date Reported in Collections : XX/XX/year> Dear Transunion Compliance Department, I am writing to formally dispute the accuracy, legality, and completeness of the above referenced tradeline being reported on their XXXX  credit file by XXXX XXXX XXXX, allegedly for an XXXX XXXX account. This account is being reported as a collection account with a balance of {$170.00} past due as of XX/XX/year>, allegedly opened in XX/XX/year>, with terms : 1 month. This reporting contains numerous violations of the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ), and must be immediately investigated and corrected or deleted. XXXX. Inaccurate and Premature Collection Reporting This account was opened in XX/XX/year> and was reported in collection status by XX/XX/year> less than 60 days later. Under industry-standard credit reporting procedures and Metro 2 guidelines, no account can legally or accurately be reported as a collection account within 60 days of being opened, particularly a telecommunications account with a monthly billing cycle. There is no evidence that this account was ever 90 days delinquent, charged off, or sold to a third party as a collection account. Therefore, transunion is publishing false information in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ), which require reasonable procedures to ensure maximum possible accuracy of consumer information. 2. Autopay Conflicts Evidence of Inaccuracy I maintains autopay on this XXXX XXXX account and has not received any notification of missed payments or failed transactions. If the creditor or collector reported this account as past due or in collections without actual delinquency, they have furnished information they knew or should have known was inaccurate, violating FCRA 1681s-2 ( a ) ( 1 ) ( A ). 3. Failure to Provide Notice Before Negative Reporting The FCRA 1681s-2 ( a ) ( 7 ) requires furnishers to notify the consumer in writing at least 30 days before reporting any negative information to a credit bureau XXXX No such notice was ever received from XXXX XXXX or XXXX XXXX XXXX, constituting a direct violation of this statute. XXXX. Improper Collection Designation This account is being reported as a collection account despite there being no documented charge-off, no written assignment of debt, and no evidence of sale or transfer from XXXX  to XXXX XXXX XXXX XXXX If this debt is still active and being serviced by XXXX XXXX, the account can not be simultaneously reported as an open utility account and as a collection account. This constitutes false and misleading representation under FCRA 1681s-2 ( b ) and FDCPA 807 ( 2 ) ( A ) ( 15 U.S.C. 1692e ( 2 ) ( A ) ). 5. Unverified and Unsubstantiated Reporting Under FCRA 1681i ( a ) ( 1 ), transunion is required to conduct a reasonable reinvestigation when a dispute is filed and to delete or correct any information found to be inaccurate, incomplete, or unverifiable. The following questions must be answered and documented : What documentation did the furnisher provide to verify this account? Who did Transunion speak with at XXXX XXXX XXXX ( name, title, phone number, date, and time )? What specific documents were used to verify the debt? Was certification obtained from XXXX XXXX that the information was complete and accurate? If this information can not be fully verified, Transunion is required by 1681i ( a ) ( 5 ) to delete the account immediately from the consumers credit file. 6. Possible FDCPA Violations by XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting this account as a collection while the original account remains active or was never properly assigned, this may also violate : FDCPA 807 ( 8 ) ( false credit reporting ), FDCPA 807 ( 2 ) ( A ) ( misrepresentation of debt status ), and FDCPA 809 ( b ) ( failure to provide validation upon request ). Therefore, the furnishers conduct may constitute deceptive and misleading collection activity. I demand XXXX XXXX XXXX XXXX to send me their license to collect a debt in Illinois, their right to collect on this debt, also their notice which was issued to me to verify and dispute the debt which I do not have, and if they can not issue these documents I demand a cease and desist immediately Action Demanded Pursuant to 15 U.S.C. 1681i, I hereby demand that Transunion : 1. Delete this tradeline in its entirety if it can not be verified with full documentation. 2. Provide a complete description of the investigation, including the name, phone number, and address of any furnisher contacted. 3. Provide copies of all documentation used to verify the account, including payment records, billing statements, and charge-off documentation. 4. Confirm that the consumer was provided 30-day pre-reporting notice as required by 1681s-2 ( a ) ( 7 ). 5. Provide written confirmation of deletion or correction within 30 days. Failure to comply will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and may lead to a civil action under FCRA 1681n and 1681o for willful and negligent noncompliance, including damages, attorney fees, and court costs.

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