Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX ATTN : Consumer Relations Department RE : Formal Demand for Correction or Deletion of Inaccurate Repossession Reporting Under 15 USC1681 To Whom It May Concern : This letter serves as a formal dispute regarding the inaccurate reporting of a repossession on my credit report. Under the Fair Credit Reporting Act ( 15 USC 1681 ), you are legally required to ensure that all information reported is accurate, complete, and verifiable. The account in question is not being reported in compliance with the law, and I demand immediate action to delete it. 

Account Details : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date of Alleged Repossession : XX/XX/XXXX Disputed Issues and Legal Violations : XXXX. Failure to Provide Full Verification ( 15 USC 1681i ) : I demand full verification of this repossession. Per 15 USC 1681i ( a ) ( 1 ) ( A ), you are required to conduct a thorough investigation of disputed items. Failure to verify this repossession with concrete evidence from the original creditor or furnish accurate data will result in the deletion of this account from my credit file as required under 15 USC 1681i ( a ) ( 5 ) ( A ).

2. Inaccurate Balance or Payment History ( 15 USC 1681e ( b ) ) : The reported balance, payment history, or status of this repossession is inaccurate and misleading. Under 15 USC 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy in the information reported. Any failure to provide accurate and up-to-date information is a direct violation of federal law.

3. Improper Furnisher Reporting ( 15 USC 1681s-2 ) : The creditor or data furnisher has failed to meet their obligations under 15 USC 1681s-2 ( a ) by reporting inaccurate or incomplete information. I demand that you obtain a complete and thorough verification from the creditor, including all supporting documentation, such as proof of the repossession, the contract, and payment records.

4. Incomplete Notification ( 15 USC 1692g ) : If the repossession occurred without proper notification of my right to cure the default or recover the vehicle, this reporting is not only inaccurate but unlawful. I demand proof that all required notices were provided in accordance with federal and state laws.

5. Reporting Without Proper Validation : If the creditor or debt collector has failed to validate the debt and repossession in response to my prior requests, this account must be deleted immediately, per 15 USC 1681s-2 ( b ) ( 1 ).

Action Demanded : I demand that you investigate this account thoroughly within the legally required timeframe of 30 days ( or 45 days if I submit additional documentation per 15 USC 1681i ( a ) ( 1 ) ( A ) ). You must : 1. Provide complete validation of the repossession, including but not limited to : o Original signed contract o Payment history o Proof of default and repossession o Proof that all legally required notices were provided 2. Delete the account immediately if you can not fully verify the accuracy of the reporting. 
XXXX. Send me a copy of the updated credit report reflecting any deletions or corrections. 

Failure to Comply : Failure to comply with this request will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I am prepared to seek damages for violations of the FCRA, which include statutory damages under 15 USC 1681n and 15 USC 1681o. 

XXXX XXXX for Credit Bureaus : XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : ( XXXX ) XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX : ( XXXX ) XXXX I expect a written response to this letter within the legally mandated timeframe, including a full explanation of the actions taken and copies of any documentation used in your investigation. 

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