Consumer complaint received 2025-05-05 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX SSN ( Last XXXX ) : XXXX XXXX : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : XXXX To : TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute and Request for Full Verification of XXXXXXXX XXXX  Account FCRA 611 / FDCPA 809 Account Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX Bank XXXX. ) Account Number ( last digits ) : XXXX * * * * To Whom It XXXX Concern, I am formally disputing the accuracy and completeness of the above-referenced account currently being reported on my TransUnion credit file. I request an immediate and manual reinvestigation under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S. Code 1681i ).

This account is being reported only by TransUnion, with significant missing and unverifiable information, which undermines the validity of its inclusion on my credit report. The following critical data fields are blank or inconsistent : Specific Incomplete or Inaccurate Reporting : Account Type : Collection Account Status : Derogatory Monthly Payment : Blank Number of Months ( Terms ) : XXXX XXXX XXXX : Blank Past Due Amount : Blank Date of Last Activity : XX/XX/XXXX Tangible documentation showing what transaction or communication occurred on XX/XX/XXXX that you consider to be the Date of Last Activity. Please include billing statements, payment receipts, or account records showing any consumer-initiated activity, in compliance with FCRA and FDCPA guidelines. 

Date of Last Payment : Blank Two-Year Payment History : Entirely blank Under FCRA 1681e ( b ), credit reporting agencies are required to ensure that any information they report is accurate and complete. A collection account lacking all the above data fields can not be considered complete, nor can it be properly verified without supporting documentation. 

Furthermore, XXXX XXXX is a third-party debt collector, not the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S. Code 1692g ), I am exercising my right to request the following : I am formally requesting : 1 A full Method of Verification ( MOV ) in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ( If verified as ACCURATE : Include the name, mailing address, and contact phone number of any party that furnished the information.

2 A manual reinvestigation of this itemnot a response generated by e-OSCAR or any automated system. 
XXXX A copy of the original signed contract or application bearing my signature with the original creditor ( XXXX XXXX Bank ). 
XXXX Proof of assignment or purchase of this alleged debt by XXXX XXXX, including : The date the debt was purchased The chain of custody from the original creditor to the collector XXXX Documentation that XXXXXXXX XXXX is licensed or legally authorized to collect debts in the state of New York. 
XXXX Any and all account-level documentation, billing statements, or communication records from the original creditor. 

If you can not verify this account in full with proper documentation, as required under FCRA 1681i ( a ) ( 5 ) ( A ), then I respectfully demand that this account be immediately deleted from my credit file.

If you elect not to delete this account, I request a full written explanation of how an account missing this much data and documentation can remain on my credit report in compliance with federal law.

Please also note : If there are any previous disputes related to this same account, I am requesting that those be canceled or disregarded. This letter represents my most current and complete dispute, and should be treated as the active formal challenge on record. 

I expect to receive the results of this reinvestigation within the XXXX period as outlined in the FCRA. Please send all responses to the address listed above. 

Enclosed is a copy of my government issued state identification and my current bank statement. Along with XXXX highlights of the inconsistencies and/or incomplete reporting. 

Important Note : If there are any other open, pending, or prior disputes related to this specific XXXX XXXX XXXXXXXX account ( Account # XXXX * * * * ), I formally request that those be disregarded, canceled, or superseded by this current dispute. This letter serves as my most recent, comprehensive, and intentional dispute regarding this account. I request that all focus be placed on the concerns and demands stated herein, and that this submission be treated as the primary active dispute on record for this item. 


Sincerely, 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