Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
Dear Transunion, My name is XXXX XXXX and I'm Begging for your help, I'm NOT A COMPANY! 
To get things moving, you should have more than enough time to remove these inaccurate accounts from my credit, stop ignoring my disputes I need real help!! I request to remove any/all inaccurate information from my credit report as quickly as possible. The items in question are :. * * XXXX  XXXX * * - * * Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : * * {$470.00} - * * Violations : * * - FCRA XXXX Negative account not properly verified - FCRA XXXX No signed agreement or contract produced - FDCPA XXXX No debt validation from collector/furnisher XXXX. * * XXXX XXXX XXXX XXXX ( XXXX  ) * * - * * Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : * * {$420.00} - * * Violations : * * - FCRA XXXX Continued charge-off status with no supporting records - FCRA XXXX Inaccurate account status ; not updated after dispute - FDCPA XXXX No validation provided XXXX. * * XXXX XXXX XXXX XXXX ( Secondary ) * * - * * Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : * * {$420.00} - * * Violations : * * - FCRA XXXX No original loan documentation - FCRA XXXX Incomplete dispute resolution - FDCPA XXXX No validation as required by law XXXX. * * XXXX XXXX * * - * * Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : * * {$460.00} - * * Violations : * * - FCRA XXXX No signed contract or proof of authorization - FCRA XXXX Inaccurate payment reporting post closure - FDCPA XXXX No proper notice or validation XXXX. * * XXXX  XXXX  * * - * * Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : * * {$690.00} - * * Violations : * * - FCRA XXXX Account re-aged and inaccurate - FCRA XXXX No original agreement provided - FDCPA XXXX No debt validation letter ever sent XXXX. * * XXXX ( TransUnion only ) * * - * * Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : * * {$1000.00} - * * Violations : * * - FCRA XXXX Listed as derogatory without proof - FCRA XXXX No contract or detailed billing records - FDCPA XXXX Debt collection activity without validation XXXX. * * XXXXXXXX XXXX XXXX XXXX XXXXXXXX * * - * * Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : * * {$610.00} - * * Violations : * * - FCRA XXXX Failure to reinvestigate after dispute - FCRA XXXX No contract or documentation from original creditor - FDCPA XXXX Collection activity without proper validation -- - # # # LEGAL DEMAND FOR ACTION You are required by federal law to : - * * Delete * * each account listed above within * * XXXX  days * *, OR - Provide full, legal * * validation * * for each, including : - Original signed agreements - Full account and payment histories- Chain of custody or assignment for collection accounts- Proof of permissible purpose to report to credit bureaus Failure to comply will result in : - Immediate complaints filed with the * * CFPB * *, * * FTC * *, and * * State Attorney General * * - Legal action for * * willful and negligent noncompliance * * under FCRA XXXX and FDCPA 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