Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I hereby swear and affirm under penalty the following consumer rights unauthorized Credit Reporting have caused damage to my credit report, caused suffrage and stress. I demand corrective action, upon reviewing my consumer credit report from TransUnion, I discovered several Reported Accounts that are in fact made without my consent or permissible purpose. Below is the list of unauthorized reported information by the following Credit Furnishing : ( XXXX. ) " XXXX XXXX - XXXX '', Contact Info XXXX XXXX, addressed in XXXX,XX/XX/XXXX, ( XXXX ) XXXX, Last Updated XX/XX/XXXX, Unverified Balance {$480.00}, and no validated contract, Closed Date XX/XX/XXXX, Open Date XX/XX/XXXX ; ( XXXX. ) XXXX XXXX XXXX XXXX XXXX, addressed at XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, alleged XX/XX/XXXX, Charge-off, Charged off as bad debt Unpaid balance reported as a loss by XXXX XXXX Balance {$21000.00} and fails to demonstrate or neglect maximum possible accuracy reporting ; ( XXXX. ) XXXX XXXX Last Updated XX/XX/XXXX, Collection account, Closed Date XX/XX/XXXX, Open Date XX/XX/XXXX, Last Activity XX/XX/XXXX, Balance {$2400.00} Contact Info XXXX XXXX - addressed in XXXX,XX/XX/XXXX ( XXXX ) XXXX, and are without validated account, misrepresenting verified debts, Consumer confirms dispute through Credit Reporting Agencies inaccurate information on Consumer Profile Credit Index ; ( XXXX. XX/XX/XXXXontact Info XXXX XXXX XXXX - XXXX,XX/XX/XXXX ( XXXX ) XXXX, alleges dispute resolved reported by grantor and fails to remove from Credit Report inaccurate or misleading information, fails to demonstrate or neglect maximum possible accuracy reporting and are without validated account, misrepresenting verified debts. Consumer confirms dispute through Credit Reporting Agencies inaccurate information on Consumer Profile Credit Index ; ( XXXX. ) Applied Bank Contact Info XXXX XXXX XXXX - XXXXXX/XX/XXXX( XXXX ) XXXX sold account to a third party without written or implied Consent ; ( XXXX. ) XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XX/XX/XXXX ( XXXX ) XXXX, Credit furnisher committed fraud upon the Court, denied this account, and misrepresented the Debt as delinquent, when knowingly or willingly sold to a Third Party Debt Collector ; ( XXXX. ) XX/XX/XXXXClosed Date XX/XX/XXXX Open Date XX/XX/XXXX, are without a written or implied contract, nor with an validated enforceable debt against alleged debtor ( XXXX. ) XXXX XXXX XXXX, This Credit Furnisher is unknown, their is no written or implied consent agreements between the Creditor or Debtor, fails to demonstrate or neglect maximum possible accuracy reporting. It appearing that this Debt negotiated with a Third party Debt Collector, who the alleged Debtor has never contracted or have first hand knowledge of. ; and ( XXXX. ) XXXX XXXX XXXX Original Lender " XXXX XXXX XXXX '', " XXXX XX/XX/XXXXXXXX '', " XXXX XXXX XXXX XXXX '' without a written or implied consent agreement between the alleged Debtor. It appearing that the abovementioned Credit Furnisher are with XXXX validated Contract with the alleged Debtor. The Credit Reporting Agency has failed to conduct diligence into this account and are without standing to report misinformation against the alleged Debtor, such conduct is slanderous and defamatory. The aforementioned Credit Reporting Agency have failed or neglected as a prudent investor to demonstrate reasonable skill, care, distribution of the Consumer Account and report unverified and fails to demonstrate or neglect maximum possible accuracy. As per mention herein said Credit Reporting Agency are in violation of XXXX. XXXXXX/XX/XXXXXXXX ; and XXXX Amend. of the XXXX XXXX, whereas having failed or neglect to adhere relevant regulatory prohibitions that generally protect federal Consumer Protection regulations engaged with Debt Collectors who commonly collect on debts and failed to demonstrate their right to enforce alleged debts or to demonstrate their conclusory investigation acts that are similar to evasive and dismissive tactics. The following Companies and all in concert are without written or implied consent to report inquiries against Consumer Profile Index through TransUnion : ( XXXX. ) XXXX XXXX XXXX XX/XX/XXXX ; ( XXXX. ) XXXX XXXX XX/XX/XXXX ; ( XXXX. ) XX/XX/XXXXXX/XX/XXXX ; ( XXXX. ) XXXX XXXX XX/XX/XXXX ; ( XXXX. ) XXXX XXXX XXXXThese entities did not have a legitimate reason to access my credit report, as I did not authorize or initiate any transactions with them. Permissible purposes for accessing a consumers credit report include my explicit written consent or a legitimate business need, none of which apply to the above inquiries. The involved credit furnisher are required to take extra measures to prevent fraudulent access, which they failed to do. The inclusion of these unauthorized inquiries has negatively impacted my credit score and overall financial standing. I have faced undue financial hardship due to the denial of credit and the damage caused by these inaccurate and impermissible inquiries.

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