Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
| Creditor / Type | Account ( Partial ) | Key Dates ( from report ) | Amount Reported | What You Disputed / Actions Taken | | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | | XXXX XXXX XXXX  ( CC, charge-off ) | Charge-off showing through XX/XX/XXXX with multiple XXXX months in XXXX | About {$340.00} balance and {$340.00} past due as of XX/XX/XXXX library. | Disputed as Balance/amount is incorrect, arguing charge-off balance and past-due are not accurate or verified ; requested documentation or deletion | | XXXX XXXX ( CC, charge-off ) | Charge-off with continuing negative status codes into XXXX | About {$150.00} balance with {$150.00} written off/charged off | Disputed as Balance/amount is incorrect, challenging balance, past-due, and delinquency dates ; also questioned lack of XXXX and asked for proof of cancellation or compliance, and correction/zeroing if canceled | | XXXX XXXX  Installment ( closed ) | Shows at least XXXX XXXX late in payment grid ( XXXX depending on line ) | Remaining balance {$0.00} but with derogatory late marker library. | Disputed as Payment history is incorrect ; I did not make a XXXX late payment on this account, and requested removal of any late codes or full documentation of the alleged delinquency | | XXXX XXXX Secured loan/credit builder | Shows XXXX and XXXX lates in history ( multiple months ) | Balance either low or paid off but with multiple late notations library. | Disputed as Payment history is incorrect ; the reported XXXX and XXXX late payments did not occur, requesting complete payment history and supporting evidence or removal of all late marks | | XXXX XXXX  Additional tradeline ( if shown separately on XXXX  ) | Another XXXX  entry ( masked in report ) | Similar late history entries tied to same XXXX  product period XXXX. | XXXX or {$0.00} balance but derogatory status due to lates library. | Treated as structurally inconsistent ; disputed lates as not verified/ inaccurate, and asked XXXX  to either correct the grid to ontime or delete the tradeline if XXXX  can not substantiate it | | XXXX XXXXXXXX XXXX XXXXXXXX ( medical collection ) | -- - | Collection reporting through XXXX with information disputed remark library. | About {$570.00} medical balance library. | Disputed balance accuracy and status; requested full itemization and proof of liability, and stated that if not verified, it must be deleted library. | | XXXX XXXX XXXX ( XXXX XXXX ) | Collection status with dates tied to XXXX account ; updated into XXXX | About {$270.00} balance library. | Disputed as Balance/amount is incorrect and dates/status inaccurate, demanding billing records, proof of assignment, and correction or deletion if not verified | | XXXX XXXX XXXX ( XXXX XXXX collection ) | | Opened XX/XX/XXXX ; collection codes ( C ) throughout XXXX, disputed remark already present library. | {$750.00} original and current balance ; {$750.00} past due as of XX/XX/XXXX library. | Disputed as Balance/amount is incorrect/ not verified, challenged lack of documentation, suspected reaging, and demanded that either XXXX prove the DOFD and ownership or XXXX  delete ; also insisted no duplicate collectible balance with any XXXX XXXX tradeline || Creditor & Account | Status/Type | Date Opened/Closed | Reported Amount | Date Disputed | Dispute Actions/Reasons | | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- - | XXXX XXXX XXXX  - XXXX | Charge-off | Closed, multiple CO XXXX XX/XX/XXXX | {$340.00} balance, {$340.00} past due | XX/XX/XXXX | Balance/amount is incorrectrequested full documentation ; asked for charge-off and past-due to be verified or corrected/deleted. | | XXXX XXXX - | Charge-off | Closed, delinquency in XXXX | {$150.00} balance, {$150.00} written off | XX/XX/XXXX | Balance/amount is incorrectdisputed amount and delinquency dates, requested itemized bill and true DOFD, or deletion. | | XXXX XXXX CO XXXX | Collection ( medical ) | Closed | {$570.00} | XX/XX/XXXX | Not mine or balance wrongchallenged ownership, accuracy, and medical debt validity ; asked for complete billing and assignment proof. | | XXXX XXXX XXXX Collection ( XXXX  ) | Opened XX/XX/XXXX | {$270.00} | XX/XX/XXXX | Balance/amount is incorrectdemanded XXXX billing XXXX assignment documentation, or immediate removal due to inaccuracies. | | XXXX XXXX XXXX - | Collection ( Credit XXXX ) | Opened XX/XX/XXXX | {$750.00} | XX/XX/XXXX | Balance/amount is incorrect ; duplicate balancechallenged re-aging, duplicate reporting ( with XXXX  XXXX ), requested documentation or deletion. |The statute focuses on accuracy, completeness, and permissible use of credit information, not directly on whether a 1099C was filed.

Lack of a 1099C alone is generally not an FCRA violation ; it becomes FCRArelevant only if the underlying information on the report ( balance, status, dates, ownership ) is inaccurate or unverified, which is where my strongest FCRA claims lie.

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