Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Article III Notice & Legal Demand TransUnion LLC Registered Agent : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : LEGAL NOTICE OF DISPUTE ALL ACCOUNTS REPORTED UNDER FILE # XXXX To the Legal Department and Registered Agent of TransUnion LLC : This is a FORMAL LEGAL NOTICE OF DISPUTE and DEMAND FOR DELETION under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and 15 U.S.C. 1681s-2 ( b ).

I, [ Your Full Name ], do hereby dispute each and every account, inquiry, tradeline, collection, public record, and/or any other item attributed to me on the TransUnion credit report dated XX/XX/year>, and bearing file number XXXX. 
BASIS FOR DISPUTE LEGAL DEFECTS IN ALL REPORTED DATA Every item listed is presumptively invalid for the following legal reasons : XXXX. No lawfully executed contract has been produced proving I am the principal obligor on any alleged debt. 
XXXX. No account contains a full and verifiable chain of title, especially collections and charge-offs. 
XXXX. No original creditor has provided sworn testimony or affidavit validating the accuracy of any reported data. 
XXXX. No account includes a full payment ledger or original terms of obligation. 
XXXX. Several accounts reflect impossible or fabricated payment histories, including skipped months, backdated lates, or charge-offs without XXXX delinquency. 
XXXX. No collection agency has provided lawful assignment documentation under 15 U.S.C. 1692g ( b ). 
XXXX. No furnisher has certified compliance with FCRA 623 ( b ) ( 1 ) ( A ) or 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A-E ).

Therefore, every account is disputed as legally unverified, inaccurate, and unenforceable.

DEMAND FOR LAWFUL VERIFICATION Under FCRA 611 ( a ) ( 1 ) ( A ), I demand that TransUnion obtain and provide all of the following for each account, within XXXX  days of receipt of this notice : A certified copy of the original contract or application bearing my wet-ink signature ; A complete payment ledger from inception to closure ; A sworn affidavit from the original creditor affirming the accuracy of all reported data ; Chain of assignment documentation for any collection or third-party account ; Proof of lawful reporting authority under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ; Proof that the furnisher is a legally registered entity in good standing with the state of incorporation. 
Failure to provide each of the above for each account shall constitute willful non-compliance under 15 U.S.C. 1681n ( a ) and negligent non-compliance under 15 U.S.C. 1681o.

NOTICE OF INTENT If any account remains unverified and is not deleted within 30 days, I will : File a complaint with the CFPB and FTC ; Initiate a private right of action under 15 U.S.C. 1681n ( a ) for statutory damages of {$1000.00} per violation ; Seek actual damages, costs, and attorneys fees under 15 U.S.C. 1681n ( a ) ( 2 ) ; Name TransUnion and each furnisher as jointly and severally liable. 
ENCLOSURES Copy of government-issued ID Copy of utility bill ( proof of address ) Copy of TransUnion credit report dated XX/XX/year> with all items disputed NO CONSENT TO PHONE CONTACT This is a legal notice. 
Do not contact me by phone. 
All responses must be in writing and mailed to the address above. 
This letter is not a request for credit report access it is a legal dispute and demand for deletion under federal law. 
GOVERN YOURSELF ACCORDINGLY.

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 explanation