Consumer complaint received 2026-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
RE : FORMAL FCRA DISPUTE, IDENTITY THEFT NOTICE, DEMAND FOR REINVESTIGATION, VALIDATION, DELETION OF INACCURATE INFORMATION, AND REQUEST FOR METHOD OF VERIFICATION To Whom It May Concern : I am formally disputing inaccurate, incomplete, misleading, unverifiable, unauthorized, fraudulent, and identity theft-related information appearing on my consumer credit file. This dispute is made pursuant to the Fair Credit Reporting Act ( " FCRA '' ), including but not limited to 15 U.S.C. 1681a, 1681b, 1681c, 1681c-2, 1681e ( b ), 1681g, 1681i, 1681m, 1681n, 1681o, 1681s-2 ( a ), and 1681s-2 ( b ). The FCRA requires consumer reporting agencies and furnishers of information to maintain and report only information that is accurate, complete, and verifiable. Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information they report. Any information that can not be verified through a reasonable reinvestigation must be deleted immediately. PERSONAL INFORMATION CORRECTIONS A copy of my driver 's licence and a utility bill with my current and only correct address will be uploaded with this complaint. My only valid telephone number ended with XXXX Any other phone number, address, former address, alternate address, associated address, or address that can not be verified as belonging to me must be removed immediately from my consumer file. I specifically dispute the following addresses as inaccurate, unauthorized, fraudulent, mixed-file information, or identity theft-related information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I demand that these addresses be permanently removed from my credit file. XXXX XXXX ACCOUNTS I previously maintained a personal XXXX XXXX XXXX XXXX. That personal account is paid off and closed. I do not have any personal XXXX XXXX account corresponding to the XXXX XXXX accounts currently being reported as individual consumer accounts. To the extent these accounts originated from business credit relationships, they should not be inaccurately reported as personal consumer obligations without complete legal justification and accurate reporting. Further, the XXXX XXXX accounts contain numerous disputed, unauthorized, fraudulent, and inaccurate transactions. During the course of my disputes, XXXX XXXX assessed unauthorized late fees, returned payment fees, penalty charges, and adverse reporting while disputes remained unresolved. XXXX XXXX also removed or withheld earned rewards, benefits, and credits that were sufficient to offset or satisfy substantial portions of the outstanding balances. The balances, payment history, late payments, collection activity, account status, and amounts being reported are therefore disputed as inaccurate, misleading, incomplete, and unverifiable. Accordingly, I dispute : XXXX XXXX Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Ending XXXX XXXX XXXX XXXX XXXX I demand complete validation of every balance, charge, payment, late payment, collection notation, returned payment fee, rewards adjustment, account adjustment, and derogatory reporting associated with these accounts. XXXX XXXX ACCOUNT I dispute XXXX XXXX Account Ending XXXXXXXX XXXX XXXX XXXX XXXX in its entirety. The charges reported on this account resulted from fraudulent and unauthorized activity. Despite my repeated reports of fraud and requests for investigation, inaccurate information continued to be reported. I specifically dispute : Account balances Late payments Delinquency reporting Collection activity Charge-off implications Payment history Account status Any derogatory reporting associated with the account I demand complete validation and documentary proof supporting every derogatory entry associated with this account. DEMAND FOR METHOD OF VERIFICATION Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I specifically request the complete Method of Verification used during your investigation, including : Name of each furnisher contacted Date of each verification Name and title of each person who verified the information Telephone number and address of each verifier Description of documents reviewed Description of procedures used to verify the disputed information Whether verification was performed electronically, manually, or through automated systems A mere electronic confirmation from a furnisher does not satisfy the FCRA 's requirement for a reasonable reinvestigation. DEMAND FOR DOCUMENTARY EVIDENCE Please provide competent documentary evidence supporting each disputed item, including : 1. Original signed applications. 2. Original contracts and cardmember agreements. 3. Complete account statements. 4. Complete payment histories. 5. Records of all disputed transactions. 6. Records of all fraud investigations. 7. Records supporting collection activity. 8. Records supporting late-payment reporting. 9. Records supporting any adverse reporting. 10. Records supporting any transfer, assignment, or sale of debt. 11. Records supporting any permissible purpose for reporting. If such documentation can not be produced, the disputed information must be deleted. CONSUMER PRIVACY RIGHTS As a consumer, I have the right to expect that information reported about me is accurate, complete, lawful, and reported only for permissible purposes authorized under federal law. To the extent inaccurate, fraudulent, misleading, or unverifiable information has been furnished, disseminated, or shared with third parties, lenders, creditors, insurers, employers, or other entities, such reporting has caused substantial harm to my credit reputation, financial standing, privacy interests, and ability to obtain credit. Any information lacking a lawful basis, permissible purpose, reasonable investigation, or maximum possible accuracy must be removed immediately. DEMAND FOR DELETION Pursuant to 15 U.S.C. 1681e ( b ), 1681i, 1681c-2, and related provisions of the FCRA, I demand the immediate deletion of : All inaccurate addresses All inaccurate telephone numbers All unverifiable personal information All disputed XXXX XXXX derogatory reporting All disputed XXXX XXXX derogatory reporting All collection notations All late-payment notations All fraudulent and identity theft-related information Any hard inquiries lacking a permissible purpose or authorization If any disputed item can not be fully verified through a reasonable investigation supported by documentary evidence, it must be deleted immediately and no later than the statutory reinvestigation period. I request written confirmation of all deletions, corrections, and investigative findings within the time required by federal law. Failure to comply with the FCRA may result in complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, state regulatory authorities, and the pursuit of all remedies available under federal and state law. Sincerely, 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