Consumer complaint received 2025-08-21 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: WA

Complaint narrative:
XX/XX/XXXX Compliance Department XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX Dispute and Request for Validation Under FDCPA and FCRA Dear Compliance Department, I am writing in response to your recent correspondence regarding the above-referenced account, in which XXXX XXXX XXXX is identified as the current owner and XXXX XXXX XXXX XXXX as the servicer. I appreciate your acknowledgment of my previous inquiries and the notation that the account is being reported as disputed to the credit reporting agencies in accordance with the Fair Credit Reporting Act ( FCRA ). However, I must express my continued dissatisfaction with your handling of this matter, as it appears to violate both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

I am formally disputing the validity and ownership of this debt and demanding full verification, including all relevant documentation, as required by law. 
Under the FDCPA, specifically 15 U.S.C. 1692g, if a consumer disputes the validity of a debt in writing within 30 days of receiving the initial collection notice, the debt collector must cease all collection activities until it provides verification of the debt. This verification must be sufficient to confirm the debt 's validity, amount, and ownership. In cases involving debt buyers like XXXX XXXX XXXX, courts have held that adequate verification often requires evidence of the chain of title, such as a bill of sale or purchase agreement, to demonstrate legitimate ownership. 

Your statement that XXXX is " not obligated to respond to the consumer 's request for a copy of a purchase and sale agreement and declines to do so '' is insufficient and appears to contravene these requirements, as it fails to provide the necessary proof that XXXX acquired this account from the original creditor, XXXX XXXX, on XX/XX/XXXX. Without this documentation, I can not verify the debt 's ownership or accuracy, and your continued collection efforts and credit reporting may constitute a violation of the FDCPA. 

Furthermore, as a furnisher of information to consumer reporting agencies, both XXXX  and XXXX are subject to the duties outlined in the FCRA, particularly 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation into disputed information upon notice of a dispute. This includes reviewing all relevant underlying documents to ensure the accuracy of the reported information. 

My dispute encompasses not only the debt 's validity but also its ownership, and your refusal to provide key documents such as the bill of sale and purchase agreement suggests an inadequate investigation. FCRA regulations also permit direct disputes to furnishers ( 12 C.F.R. 1022.43 ), requiring a reasonable investigation and response. By failing to substantiate ownership and continuing to report this account without full verification, you may be in violation of these provisions, potentially leading to inaccurate credit reporting that harms my credit profile. 

I note that the original contract with XXXX XXXX includes an arbitration clause, which may govern any disputes related to this account. However, your ongoing refusal to provide the requested documentation leaves me with no alternative but to consider all available remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or pursuing legal action for these statutory violations. 

Numerous lawsuits against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have alleged similar failures to properly validate debts or investigate disputes under the FDCPA and FCRA, resulting in findings of liability. 

To resolve this matter amicably, I demand that you immediately provide the following : A complete copy of the bill of sale and purchase agreement between XXXX XXXX XXXX and XXXX XXXX, including any assignments or transfers demonstrating the full chain of title and the cost amount of the transaction. 

Verification of the debt amount, including an itemized breakdown of any charges, payments, or adjustments. 

Proof that XXXX XXXX XXXX is the legitimate owner of the account and has the right to collect on it. 

I will need a confirmation that all collection activities have ceased pending this validation, and that the account will be deleted from my credit reports if ownership can not be verified. 

Please provide this information within 30 days of receipt of this letter. 

Regarding your notation of my cease communication request, please continue to honor it and completely remove all XXXX in XXXX Transunion, XXXX and all other reporting credit agencies by closing it out for good or I will pursue legal matters. 

Thank you for your prompt attention to this serious matter. I look forward to your full compliance to avoid further escalation.

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