Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 

Subject : Formal Dispute of Fraudulent Debt Account Number : XXXX Dear XXXX, I am writing to formally dispute the validity of the debt associated with account number XXXXXXXXXXXXX, allegedly transferred from the Department of Education XXXX XXXX XXXX XXXX XXXX This debt is fraudulent, and I have no record of ever opening such an account. Additionally, I never provided consent for the Department of Education or XXXX to share or use my personal information in any capacity. 

This account is currently inaccurately reporting on my TransUnion credit report. XXXX and XXXX have already removed the fraudulent account following thorough investigations. TransUnions continued reporting of this account is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, as they are failing to comply with their obligations to report only accurate information.

I have already reported this fraudulent account to the Federal Trade Commission ( FTC ), the XXXX Police Department, and the Attorney Generals Office. Additionally, I have recently filed a complaint with the FBI regarding TransUnion and Nelnets continuing non-compliance. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I demand : 1. Complete validation of the alleged debt, including all documentation proving the debts validity and showing any authorization on my part to open this account. 
XXXX. Proof of my explicit consent, including my signature, authorizing any sharing of my personal information with XXXX. 
3. Immediate cessation of all collection activities, including reporting to any credit reporting agencies until validation is provided.

Additionally, under the Metro 2 credit reporting standards, you are responsible for ensuring that all reported information is accurate. XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), established that parroting information from an original source without conducting a thorough investigation violates both FCRA and FDCPA standards. 

If you fail to provide the requested validation within 30 days of receipt of this letter, I demand the following actions : XXXX. Cease all collection activities permanently. 
XXXX. Remove this account from my credit reports and all consumer reporting databases. 
XXXX. Notify all credit reporting agencies that this account is fraudulent and disputed. 

Failure to comply will result in further legal action, including escalation to additional regulatory and law enforcement authorities. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX, trustee XXXX XXXX XXXXXXXX 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 explanation