Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear TransUnion Disputes Department : I am writing to invoke my full rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to formally dispute and demand the removal of any and all unauthorized, inaccurate, unverifiable, or outdated accounts on my credit report. This includes all entries : That I did not authorize ; That can not be verified with original, complete documentation ; That were sold, securitized, or transferred without proper chain of assignment ; That are affected by litigation or regulatory action involving data furnishers or debt collectors. 
I am currently a directly affected party in litigation involving certain entities reporting on my credit file, and this dispute is made in good faith under the protections granted to me by law. 

I Dispute All of the Following : Any account that lacks a signed, original agreement with me ; Any account unverifiable under a reasonable investigation ; Any debt that has been sold, securitized, or extinguished ; Any tradeline affected by a known or pending lawsuit or CFPB action ; Any reporting made beyond the applicable statute of limitations for debt collection in my state. 
LEGAL DEMANDS UNDER FEDERAL LAW : Pursuant to FCRA 1681i ( a ) ( 1 ) ( A ), I demand a reasonable reinvestigation of the information disputed. 

If you intend to verify the accounts, I further demand that you provide a detailed XXXX XXXX XXXX under FCRA 1681i ( a ) ( 7 ) as outlined below : Method of Verification Required Details : Exactly how the account was verified ( phone, electronic, written confirmation, etc. ). 
Name, department, and title of the individual who performed the verification. 
Date, time, and location the verification took place. 
Which documents or data were used to verify the accuracy of the item. 
Proof of Investigation : Name and title of the individual ( XXXX ) who conducted the reinvestigation. 
Detailed explanation of the investigation process ( how, when, where ). 
Copies of all documents reviewed, including any response from the furnisher. 
XXXXXXXX XXXX XXXXXXXX XXXX : Provide a copy of the original signed contract or agreement bearing my signature that created the alleged debt. 
If the debt was sold or transferred, provide the full chain of assignment and ownership history including dates, entities, and documentation showing legal transfer of the right to collect. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Name and contact details of the original creditor. 
The original date of delinquency and charge-off, if applicable. 
Statute of Limitations : Submit legal documentation confirming that the account is still legally reportable under my states statute of limitations for debt collection and credit reporting. 

Source of Bankruptcy Information ( if applicable ) : If my credit report contains bankruptcy-related information, specify the exact source of this data, as bankruptcy courts do not report to credit bureaus. 

LEGAL BASIS FOR THESE DEMANDS : I am exercising my rights under the following statutes : FCRA 1681e ( b ) You are required to maintain maximum possible accuracy. 
FCRA 1681i ( a ) ( 1 ) ( A ) You must conduct a reasonable reinvestigation.

FCRA 1681i ( a ) ( 2 ) You must forward all relevant information to the furnisher.

FCRA 1681i ( a ) ( 5 ) ( A ) If an item can not be verified within 30 days, you must delete it and send me written confirmation. 
FCRA 1681n & 1681o Noncompliance subjects you to civil liability for actual damages, statutory damages, attorney fees, and costs.

FDCPA 1692g ( b ) Collection must cease until validation is provided upon request.

FDCPA 1692e You may not report or collect based on false, deceptive, or misleading representations. 
FINAL DEMAND : If you are unable to fully substantiate the accuracy of the disputed accounts and provide the above information within XXXX calendar days, I demand immediate deletion of all such entries and written confirmation of the deletion as required by FCRA 1681i ( a ) ( 5 ) ( A ). 

Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may lead to civil litigation in federal court.

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