Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
To : TransUnion LLC XXXX. XXXXXXXX XXXX XXXXXXXX, PA XXXX And to : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation, Debt Validation, Chain of Custody, and Proof of Ownership of Debt Account : XXXX XXXX XXXX Under Section 605B of the FCRA, I am requesting the immediate blocking of the fraudulent account associated with XXXX XXXX XXXX XXXX. I have provided the necessary FTC Identity Theft Report and documentation of my identity theft. In compliance with federal law, I request that this account be blocked and removed from my credit report within 4 business days.

Dear Sir/Madam, I am writing to formally dispute the fraudulent debt on my credit report associated with XXXX XXXXXXXX XXXX XXXX XXXX This account, reported as placed for collection, was sold to a third party without my consent, and I have no direct relationship or contractual obligation with the current debt holder. The existence of this account, along with its transfer, is damaging my credit and impeding my ability to purchase a home and secure necessary financial resources. 

I am requesting the immediate removal of this debt from my credit report and a thorough investigation of the following matters : XXXX. Chain of Custody and Proof of Ownership Please provide the complete chain of custody for this debt, from the original creditor to the collection agency and any subsequent transfers. I require proof of the legal sale or assignment of this debt, including but not limited to : The name of the entity or individual to whom the debt was sold or assigned. 

Documentation of any contract or agreement that transferred this debt to the collection agency. 

A record of all transactions showing the sale or assignment of the debt. 

XXXX. Validation of Debt Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a full validation of the debt. Please provide the following : A copy of the original signed contract that binds me to this debt ( including a wet signature ). 

The name and contact information of the individual who investigated this debt and verified its validity, including their employee ID number and position. 

Documentation proving that the debt was my responsibility, including a detailed account history showing how the balance was accumulated and any payments made.

3. Investigation and Accountability Please provide the name, employee ID number, and contact information of the person who investigated the validity of this debt. I also request any information about procedures followed to verify that the debt is legitimate and properly assigned to me. I am entitled to know if any errors or mistakes were made during the investigation process, and I will not accept a debt claim without these details.

4. Proof of Communication As of now, I have not received any valid communication or formal notice of this debt, as required by law. Please provide the following : A record of all notices sent to me regarding this debt, including letters or phone calls from both the original creditor and the collection agency. 

Proof of any attempts to notify me of the assignment or sale of the debt, including any signed receipt or confirmation that I received notice. 

Legal Rights Under Federal Law : Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( a ) : The debt collector must provide me with validation of the debt upon my request.

Section 809 ( b ) : If the debt collector fails to provide proper validation, they can not continue to pursue or report the debt.

Fair Credit Reporting Act ( FCRA ) Section 1681i : If any information on my credit report is disputed, the credit reporting agency must conduct a reasonable investigation and provide evidence of the debts accuracy.

Section 1681e ( b ) : Requires credit reporting agencies to ensure the information they report is accurate and complete.

Consumer Financial Protection Bureau ( CFPB ) The CFPB has the authority to ensure compliance with federal regulations regarding debt collection and credit reporting, and I am filing this complaint to seek a resolution in line with consumer protection laws.

Request for Immediate Action : TransUnion : I request that you investigate this matter and remove the fraudulent debt from my credit report as soon as possible.

CFPB : I request that you open an investigation into the debt collection practices of XXXX XXXX XXXX XXXX and ensure they are complying with the FDCPA and FCRA. 

Please provide all requested documentation and confirmation of your actions. I expect a timely response, within the legally required timeframe. If this matter is not resolved within 30 days, I will take further action, including but not limited to escalating this issue to relevant regulatory authorities and seeking legal recourse. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.

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