Consumer complaint received 2025-07-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX TO : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : Formal Dispute and Demand for Investigation Unverified & Improperly Reported Accounts To Whom It May Concern, This letter is to formally dispute and request immediate investigation and deletion of the following accounts currently being reported on my TransUnion credit report. These accounts are either charged off, repossessed, or sold to another party, yet are still being reported without proper validation in clear violation of the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts : XXXX  Account XXXX XXXX XXXX Charge-Off {$1400.00} XXXX  Account XXXX XXXX XXXX Charge-Off {$160.00} XXXX XXXX Account XXXX XXXX XXXXXXXX Repossession {$6200.00} XXXX  Account XXXX XXXX XXXXXXXX Repossession {$0.00} Reason for Dispute : These accounts are being reported as charge-offs and repossessions but have either : Been sold to another party, meaning the furnisher no longer has the legal right to report a balance Failed to provide proper validation under 15 U.S.C. 1692g and 1681i Failed to issue legally required repossession documents, including : Notice of Default Notice of Right to Cure Notice of Sale Post-sale Deficiency Letter No IRS 1099-C has been issued for any charged-off debt above {$600.00} a violation of IRS Code 6050P A letter stating the account has been verified is not sufficient validation under federal law. I am demanding that TransUnion not rely on e-OSCAR and instead obtain all supporting documents directly from the data furnisher, including : Original contracts Chain of assignment or ownership Itemized charge-off and payment history Proof of legal standing Identity of the person who verified the debt All documents used in the verification process My Demands : I am requesting that TransUnion : Immediately investigate each account listed above Obtain full validation documentation directly from the original data furnisher Delete any account that can not be fully verified with legal documentation Provide me with a written response within 30 days as required by FCRA Legal Authority : This request is made under the authority of : FCRA 1681i ( a ) ( 1 ) ( A ) Reasonable reinvestigation required FCRA 623 Duty of data furnishers to provide accurate and verifiable information FDCPA 809 Right to dispute and validate debts UCC 9-611 through 9-616 Legal repossession and deficiency notice requirements IRS Code 6050P Reporting obligations for charge-offs If TransUnion fails to comply, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Illinois Attorney General, and I will pursue legal remedies if necessary.

This is not a refusal to pay, but a lawful dispute and demand to protect my consumer rights and ensure fair, accurate, and verifiable credit reporting. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX XXXX

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