Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XX/XX/year>XXXX XXXX XXXX and Transunion RE : Formal Dispute of Collection Account Reported by XXXXXXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the collection account being reported by XXXX XXXX, XXXX on my credit report. This account does not belong to me and/or is being reported with incomplete and inaccurate information, in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Account Information : Creditor/Collector : XXXXXXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX  Account Number : XXXX Grounds for Dispute : FCRA Violations Per 15 U.S. Code 1681i and 1681e ( b ), credit reporting agencies are required to maintain accurate and verifiable information. This account lacks proper documentation and itemization of the debt and fails to provide legal proof that I owe any balance to XXXX XXXX, XXXX. 
FDCPA Violations XXXX Funding has been the subject of numerous lawsuits, including class action litigation, for violating FDCPA regulations, such as : Attempting to collect time-barred debt. 
Failing to provide adequate debt validation. 
Robocalls and other forms of unauthorized communication. 
Filing lawsuits against the wrong individual or without necessary documentation. 
Misrepresenting the amount and ownership of the debt.

Lack of Verification If XXXX XXXX can not provide the original signed agreement, full payment history, and proof that they legally own the alleged debt, then they have no legal standing to report this information to your agency. Specifically, I am requesting the complete chain of assignment contracts, including all bills of sale and purchase agreements, from the original creditor to any subsequent debt buyers, culminating in the transfer to XXXX XXXX, XXXX. Without these, any claim of ownership or right to collect is unsubstantiated. 
Requested Action : Under the FCRA, I am demanding that you : 1. Investigate this account under your obligation per 15 U.S.C. 1681i ( a ).

2. Remove the account if XXXX XXXX can not provide full documentation and legal proof of the debt within 30 days.

3. Provide a written notice of the outcome of your investigation.

Please note that continued reporting of inaccurate or unverified accounts after being notified constitutes willful noncompliance, subject to damages under FCRA 1681n and FDCPA 813. 
This letter serves as formal notice that I reserve the right to take legal action and file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office should this matter not be resolved promptly and in accordance with the law. 
Attached are copies of my identification and a recent utility bill to verify my identity and address. Please conduct your reinvestigation within the time allowed by law and provide me with a written statement of the results. 
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