Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX pm est Attn : CFPB XXXX : Credit Bureaus ( Transunion, XXXX, XXXX  ) Attn : XXXX / XXXX  Attn : Any other applicable agency. 

The link below is to a XXXX phone call I recorded today, which lasted over XXXX hour and XXXX minutes with XXXX / XXXX  staff. 

They admit repeatedly that they are NOT able to validate the debt. 

This has been documented in OVER XXXX recorded calls with XXXX XXXX XXXX for the past XXXX XXXX by me, and with the CFPB, and with countless complaints I have sent to XXXX / XXXX  and the XXXX Credit Bureaus by mail, hard copy, with tracking. 

I asked them to stop violating XXXX and XXXX laws in the call today, again. 

They refused to stop, and claimed, yet again, that they are not ABLE to stop. 
Employees state that they are not given the ABILITY to follow the LAW while doing their jobs. 

The link below is to that recorded call. 

I am also providing a link to a document that shows XXXX of XXXX admitions made by XXXX XXXX XXXX within their own payment portal, where their own records ADMIT they can NOT validate the debt, and that they are missing transaction history, and that is mathematically IMPOSSIBLE to know how much I owe, if anything at all, after OVER XXXX years. 

The ONLY appropriate legal action moving forward, for XXXX XXXX XXXX, XXXX, XXXX, and Transunion is to report in records that : XXXX. The current alleged debt is missing transaction history for over 3 years. 
XXXX. The current alleged debt can not be validated, in multiple ways. 
XXXX. That I, XXXX XXXX, owe {$0.00} to XXXX XXXX XXXX. 

I will continue to file public CFPB, and other complaints, against XXXX XXXX XXXX, every time I call, until the correct action is taken by all companies involved in abusing me all these years. 

Additionally, the Credit Bureaus have NEVER been able to provide me with any proper debt validations records, nor has XXXX XXXX XXXX, during the XXXX, XXXX, XXXX, and beyond. 

Links with evidence : ( Note : It is now XXXX pm est, and I will begin uploading the evidence into the secure cloud. ) XXXX XXXX XXXX XXXX is the link to the screen shot proving XXXX / XXXX XXXX XXXX system / customer portal admits the debts are NOT valid. I am also uploading a copy of it directly into the CFPB system. 

https : XXXX The above link is to the recorded call. The CFPB system will not allow me to upload a file that is this large. The only way to supply it to you, is by utilizing the hosting that I pay for with XXXX, a known and trusting file hosting source in the business community. 

It is now XXXX XXXX  XXXX, XXXX. The uploads are complete. These files are stored on a secure server owned by XXXX. 

The file names have been created to be detailed, and self-descriptive. 

The files are stored on the back end of XXXX of my personal business websites, that I own, and manage. 

This complaint serves as another record of XXXX / XXXX, for a total of over XXXX at this point, admiting that they are missing transaction history for many years, and that it is impossible to explain, and to validate, the debt. 

This is the end of the details section for this complaint.

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