Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Payday loan 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 XXXX XXXX, XXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Date : XX/XX/XXXX Via CFPB Portal, Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Legal Department FORMAL REBUTTAL TO CFPB RESPONSE FINAL NOTICE This letter responds to XXXX XXXX XXXX XX/XX/XXXX CFPB submission closing my complaint with explanation. 

Your response fails to cure the disputed inaccuracies, misstates governing law, and confirms continued willful violations of the Fair Credit Reporting Act ( FCRA ). 

This rebuttal is provided to ensure the record accurately reflects the dispute before litigation. 



XXXX. IDENTITY THEFT IS NOT THE BASIS OF THIS DISPUTE Your response repeatedly reframes this matter as an identity theft claim. 
That is false and misleading. 

This dispute concerns inaccurate delinquency reporting, not whether a loan existed. 

I expressly dispute : The XXXX late status The accuracy and timing of delinquency reporting The continued furnishing of derogatory information after payment in full I am not required to submit a police report or FTC affidavit to challenge accuracy, delinquency characterization, or credit reporting compliance. 

Conditioning correction or deletion on identity-theft paperwork violates 15 U.S.C. 1681i. 



XXXX. PAID LATE WITHOUT PROOF OF A XXXX DELINQUENCY IS INACCURATE You assert the account was paid in full and XXXX days late upon closure. 

Your own timeline contradicts that claim. 

You state : XXXX originated : XX/XX/XXXX First XXXX payments completed : XX/XX/XXXX and XX/XX/XXXX Final XXXX payments completed : XX/XX/XXXX and XX/XX/XXXX You have not identified any payment that was 30 days past due. 

Under XXXX XXXX / FCRA standards, a XXXX late designation requires : A payment XXXX days delinquent from its contractual due date, not merely paid after a reminder or grace period. 

You have failed to produce : A delinquency aging schedule A payment due date exceeded by XXXX days Any evidence justifying a XXXX late status XXXX a XXXX late without proof constitutes inaccurate and misleading credit information. 



XXXX. ELECTRONIC SIGNATURE CONSENT TO INACCURATE REPORTING Your reliance on the E-SIGN Act is misplaced. 

The E-SIGN Act governs contract formation, not credit reporting accuracy. 

Even if a contract existed : You remain obligated under FCRA 1681s-2 ( a ) & ( b ) to report accurate, complete, and verifiable information An electronically signed agreement does not authorize false delinquency reporting XXXX. INVESTIGATION WAS NOT REASONABLE UNDER THE FCRA Your claim that investigations found no evidence of inaccurate information is unsupported. 

A reasonable investigation requires more than : Reviewing your own internal records Repeating prior conclusions It requires objective verification of the disputed item. You did not provide it. 

This constitutes : Negligent noncompliance ( 15 U.S.C. 1681o ) Willful noncompliance after notice ( 15 U.S.C. 1681n ) XXXX. CONTINUED REPORTING AFTER NOTICE = WILLFUL VIOLATION You have now been placed on notice via : Multiple CRA disputes CFPB complaints Written rebuttals Yet you continue to furnish the same disputed late-payment data. 

This satisfies the standard for willfulness under federal law. 



FINAL OPPORTUNITY TO CURE Within 10 days of receipt of this notice, XXXX XXXX XXXX must : Delete the XXXX XXXX tradeline in its entirety, or At minimum, remove all delinquency indicators, including the XXXX late notation Provide written confirmation of correction or deletion No further documentation from me is required. 



NOTICE OF INTENT TO PROCEED Failure to cure will result in : Escalation to civil litigation Claims for statutory, actual, and punitive damages Preservation and use of your CFPB response as evidence of bad-faith compliance This letter is sent without prejudice, with all rights reserved. 

Govern yourselves accordingly. 

Respectfully, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Without Prejudice, All Rights Reserved

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