Consumer complaint received 2025-11-16 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: GA

Complaint narrative:
b'This letter serves as a formal dispute and demand for validation under the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g. I am requesting immediate correction of inaccurate information and full documentation for accounts currently reported on my TransUnion credit fileXXXX Incorrect Addresses\n\nPlease remove the following inaccurate and outdated addresseXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnUnder FCRA 611 (15 U.S.C. 1681i), I request prompt reinvestigation and removal within 30 days.\n\n\n\n2. Incorrect Phone Numbers\n\nThe following phone numbers are not mine and must be deleted immediatelXXXX. Inaccurate Employment Information\n\nThe following employers are inaccurate and must be removedXXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease delete these listings from my credit file, as they do not represent my current or verified employment.\n\n\n\n4. Charge-Off Accounts  Request for Validation & IRS Reporting Compliance\n\nPursuant to FCRA 623(a)(3), FDCPA 809, and IRS Regulation 26 U.S.C. 6050P, I am requesting validation and full supporting documentation for the following charged-off accounts.\nIf any debt was forgiven, canceled, or settled, a Form 1099-C (Cancellation of Debt) should have been issued and reported to the IRS. Once a creditor writes off or reports debt as income, it is no longer legally collectible or reportable under IRS law.\n\nAccounts for ReviewXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFor each account, please provide:\n\t\tCopy of Form 1099-C if debt was charged off or reported as income.\n\t\tDate of account closing and charge-off.\n\t\tName of any trust or entity currently holding ownership.\n\t\tAssignment contract or bill of sale showing transfer of ownership.\n\t\tItemized statement showing how the balance was calculated (principal, interest, fees).\n\t\tProof of legal enforceability of the debt in Georgia.\n\nUntil all requested information is provided, these accounts must be considered unverified and removed from my report.\nI also issue a cease and desist request under FDCPA 805(c)no collection activity or reporting may continue until full validation is completed.\n\n\n\n5. Debt Validation  Collection Accounts\n\nUnder FDCPA 809 (15 U.S.C. 1692g), please provide debt validation and ownership documentation for the following accounts:\n\t\tCredit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFor each, please provide:\n\t\tProof of assignment, contract, or full chain of title, including the bill of sale and identifying account details.\n\t\tAccount-level documentation such as signed contracts and account statements.\n\t\tProof of licensing and bonding to collect in Georgia.\n\t\tItemized breakdown of the balance, showing principal, interest, and fees.\n\nUntil verified, these accounts must be deleted from my credit report.XXXX Unauthorized Hard Inquiry\n\nPlease remove the following unauthorized hard inquiry:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder FCRA 604 (15 U.S.C. 1681b), consumer reports may only be accessed with written consent or a permissible purpose. As I did not authorize this inquiry, it must be deleted immediately.'

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