Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by the following entities : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, LLC Account Information : Debt Buyer : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Account Number : Ending in XXXX Reporting Bureau : TransUnion Current Balance : {$1000.00} Date Placed for Collection : XX/XX/XXXX Certified Dispute Sent : XX/XX/XXXX Dispute Verified by TransUnion : XX/XX/XXXX Supporting Documents : Certified mail receipt to XXXX XXXX  / XXXX  dated XX/XX/XXXX ( XXXX XXXX included ) XXXX letter dated XX/XX/XXXX only acknowledged receipt of dispute, did not validate debt TransUnion dispute response dated XX/XX/XXXX marked account as verified as accurate Current credit report screenshot showing XXXX  account still reporting with a {$1000.00} balance and in collection No validation or contract from XXXX  ever provided Legal Violations : Against XXXX : FDCPA 809 ( b ) Failed to provide full validation of debt upon request Continued collection efforts without validation No original signed contract, account statements, or chain of title provided Against TransUnion : FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 5 ) ( A ) Verified inaccurate and unvalidated data FCRA 607 ( b ) Failure to maintain maximum possible accuracy am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by the following entities : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion , LLC Account Information XXXX Debt Buyer : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Reporting Bureau : TransUnion Current Balance : {$1000.00} Date Placed for Collection : XX/XX/XXXX Certified Dispute Sent : XX/XX/XXXX Dispute Verified by TransUnion : XX/XX/XXXX Supporting Documents : Certified mail receipt to XXXX XXXX XXXX XXXX  dated XX/XX/XXXX ( USPS tracking included ) XXXX  letter XXXX XX/XX/XXXX only acknowledged receipt of dispute, did not validate debt TransUnion dispute response dated XX/XX/XXXX marked account as verified as accurate Current credit report screenshot showing XXXX account still reporting with a {$1000.00} balance and in collection No validation or contract from XXXX  ever provided Legal Violations : Against XXXX : FDCPA 809 ( b ) Failed to provide full validation of debt upon request Continued collection efforts without validation No original signed contract, account statements, or chain of title provided Against TransUnion : FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 5 ) ( A ) Verified inaccurate and unvalidated data FCRA 607 ( b ) Failure to maintain maximum possible accuracy

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