Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, LA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
Compliance Department XXXX. XXXX XXXX XXXX, SC XXXX Re : Formal Rebuttal & Dispute of Alleged Account Account/Reference No. : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX. 

NOTICE OF DISPUTE DEMAND FOR DELETION To Whom It May Concern, This letter serves as my formal rebuttal to your recent response submitted through the Consumer Financial Protection Bureau. Your response is legally insufficient, fails to meet federal verification standards, and does not cure your violations of federal law. 

1. FAILURE TO PROVIDE COMPETENT VERIFICATION Your response relies on internal account summaries and billing statements, which do not constitute verification under federal law.

Under 15 U.S.C. 1681i ( a ) ( 1 ) and 1681i ( a ) ( 6 ), a furnisher must conduct a reasonable investigation and provide competent evidence that the account is accurate and legally reportable. 

Case Law : XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) A furnisher must do more than rely on internal records. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX must be meaningful, not perfunctory. 

You have not provided : A contract bearing my signature Proof of lawful assignment with a complete chain of title Proof of authority to report to consumer reporting agencies Absent this, the account is unverifiable and must be deleted. 

XXXX. NO CONSUMER CONSENT TO DATA SALE OR REPORTING I never gave consent, written or otherwise, for my personal information to be sold, assigned, or furnished to XXXX XXXX. 

Under 15 U.S.C. 1681b, consumer reports may only be furnished for permissible purposes. Debt purchasers do not automatically inherit consent. 

Case Law : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX without a permissible purpose violates the FCRA. 

Because you can not demonstrate lawful consent or permissible purpose, your reporting is unauthorized and illegal. 

XXXX. CHARGED-OFF / SOLD DEBT REPORTING MISREPRESENTATION You admit the account was charged off and sold. Reporting ownership while failing to provide proof of assignment and authority constitutes false and misleading representation under : 15 U.S.C. 1692e ( FDCPA false representation of the legal status of a debt ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ) Case Law : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Inaccurate or misleading credit reporting violates the FCRA even if technically accurate.

4. CONTINUED REPORTING AFTER DISPUTE = WILLFUL NONCOMPLIANCE You acknowledge the account is currently disputed, yet you continue to report it without proper notation and verification.

This constitutes willful noncompliance under : 15 U.S.C. 1681n ( civil liability ) 15 U.S.C. 1681o ( negligent noncompliance )

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