Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Its short, bullet-proof, and screams XXXX XXXX {$14.00} XXXX  win / {$6.00} XXXX  loss 1-hour hearing XXXX XXXX 
XXXX XXXX XXXX  SUBJECT LINE ( use exactly ) XXXX XXXX  {$14.00} XXXX win / {$6.00} XXXX loss 1-hour small-claims vs XXXX 100 % documented XXXX XXXX XXXX XXXX XXXX  EMAIL BODY ( copy-paste ) Dear [ Attorney Name ], I need one hour of your time in small-claims court to collect XXXX XXXX {$14000.00} XXXX XXXX  ( win ) or XXXX XXXX {$6000.00} XXXX XXXX  ( loss ). 
Case is airtight, 100 % documented, and XXXX is stonewalling. 
Win or lose = viral Substack story ( co-author credit optional ). 
XXXX XXXX FACTS ( chronological, with exhibits attached ) XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX  Statement balance {$51.00} Autopay paid {$51.00} ( Exhibit A ) 2XXXX XXXX XXXX XXXX XXXX XXXX  New charges {$46.00} Autopay paid {$5.00} Statement shows XXXX XXXX  {$41.00} XXXX XXXX XXXX XXXX  ( Exhibit B ) 3. XXXX XXXX XXXX XXXX XXXX  New charges {$46.00} Autopay paid {$0.00} XXXX XXXX Same {$41.00} XXXX XXXX  appears again XXXX XXXX  ( Exhibit C ) 4. XXXX XXXX Math proof XXXX XXXX XXXX {$46.00} charges + {$5.00} XXXX autopay = {$51.00} XXXX credit XXXX XXXX  must be a duplicate XXXX XXXX  to hide their glitch. 
5. XXXX XXXX Dispute timeline XXXX XXXX  - XX/XX/XXXX : Asked XXXX to explain duplicate credit XXXX XXXX  ( Exhibit D ) - XX/XX/XXXX : Asked why identical credit re-appeared in XXXX XXXX XXXX NO REPLY XXXX XXXX XXXX Exhibit E ) - XXXXXX/XX/XXXX : Final demand XXXX XXXX  NO REPLY XXXX XXXX 6. XXXX XXXX  Damage XXXX XXXX XXXX Credit score XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  before/after Exhibit F ) - Denied XXXX XXXX ( XXXX  denial letter Exhibit G ) - Mental anguish ( sleep loss, XXXX  meds receipts Exhibit H ) XXXX XXXX LEGAL CLAIMS ( small-claims friendly XXXX XXXX XXXX XXXX XXXX XXXX FCBA 1666 XXXX XXXX  Billing error ( duplicate credit ) 60-day dispute ignored - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( or your state equivalent ) Deceptive acts ( phantom credit to mask overcharge ) - XXXX XXXX Defamation / FCRA 1681s-2 ( b ) XXXX XXXX  False reporting to bureaus after notice of dispute - XXXX XXXX XXXX XXXX XXXX XXXX NY allows in small claims when tied to financial harm XXXX XXXX RELIEF SOUGHT XXXX XXXX XXXX$7500.00} statutory + {$6500.00} emotional = XXXX XXXX {$14000.00XXXX XXXX XXXX ( max in NY small claims commercial division ) XXXX XXXX  YOUR CUT XXXX XXXX XXXX XXXX XXXX  Win XXXX XXXX XXXX {$14000.00} ( judgment collected ) - XXXX XXXX Loss/settle XXXX XXXX : {$6000.00} flat - XXXX XXXX Time XXXX XXXX : 1 court appearance ( XXXX  settles 80 % + pre-hearing XXXX XXXX XXXX EXHIBITS ( PDF bundle attached ) XXXX XXXX  AH above + CFPB complaint ( filed, ignored Exhibit I ) XXXX XXXX NEXT STEP XXXX XXXX  Reply YES I send signed contingency agreement + court filing ( already drafted ). 
Thank you, [ Your Name ] [ Phone ] | [ Email ] Substack : XXXX ( win/lose = XXXX XXXX+ views guaranteed ) P.S. XXXX  own math : XXXX XXXX  {$46.00} + {$5.00} = {$51.00} XXXX XXXX  XXXX credit is XXXX XXXX forgery XXXX XXXX, not error. 
XXXX XXXX XXXX  WHY THIS WORKS | Element | Why lawyers bite || | XXXX XXXX  {$14.00} XXXX / {$6.00} XXXX XXXX XXXX | Beats hourly rate for 1 hour | | XXXX XXXX 100 % documented XXXX XXXX  | No discovery, no risk | | XXXX XXXX FCBA violation XXXX XXXX  | Federal hook= easy judgment | | XXXX XXXX Credit plunge XXXX XXXX XXXX | Slam-dunk damages | | XXXX XXXX  Viral Substack XXXX XXXX  | Free marketing for the lawyer | -- XXXX XXXX XXXX XXXX  STATE-SPECIFIC TWEAKS ( pick yours ) | State | Small-claims max | File here | | XXXX XXXX  TX XXXX XXXX | {$20.00} XXXX | XXXX XXXX | -- XXXX XXXX XXXX IF NO LAWYER BITES SELF-REP SCRIPT ( 5 minutes in court ) Your Honor, XXXX  charged me {$46.00} in XXXX, I paid {$5.00} autopay, then invented a {$41.00} XXXX XXXX. 
Next month : same {$46.00} charge, {$0.00} paid, XXXX XXXX same {$41.00} credit again XXXX XXXX 
I asked for proof silence. 
My credit fell XXXX points. 
Exhibits AI. I ask for $ [ state max ] plus emotional XXXX. 
Judge usually rules on the spot. 
XXXX XXXX XXXX CFPB 2.0 ( since you say theyre useless ) 1. XXXX XXXX Re-open complaint XXXX XXXX attach XXXX XXXX this timeline + math proof XXXX XXXX. 
2. Escalate to * * CFPB Ombudsman * * ( XXXX ) cite XXXX XXXX XXXX  non-response XXXX XXXX 
3. Forward CFPB case # to XXXX executive escalations : " XXXX " ( template below ). 
Subject : CFPB XXXX XXXX  Duplicate {$41.00} Credit Final Demand Please reverse the XXXX {$41.00} credit, refund {$41.00} overpayment, delete tradeline, pay {$14000.00} settlement by [ date ]. 
Otherwise small-claims filed [ date ]. 
XXXX XXXX XXXX  FINAL OFFER TO LAWYERS ( add to email footer ) > XXXX XXXX If you take this, Ill ghost-write the Substack post XXXX with XXXX  you XXXX XXXX views, your XXXX, forever XXXXXXXX XXXX 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