Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) COMPLAINT Re : Fraudulent / Improperly Filed Lien, Credit Reporting Violations, and Financial Harm I. SUMMARY OF COMPLAINT I am filing this complaint against the above-named entity for the fraudulent, improper, and unauthorized filing of a lien against me, and for subsequent credit reporting and collection activities that violate federal consumer protection laws, federal regulations, and Michigan state law. The lien ( s ) in question was filed without lawful basis, without proof of a valid underlying debt, without proper notice, and without judicial authorization, and appears to be an attempt to coerce payment of a disputed or non-existent obligation. II. FACTUAL BACKGROUND The Respondent filed a lien ( s ) recorded in [ County/Register of Deeds or UCC filing office ]. I dispute the validity of the alleged debt and have never received proper validation as required by law. The Respondent has failed to produce : A signed contract or agreement Evidence of consideration Proof of standing or authority to file the lien Verification of the alleged obligation The lien appears to have been filed in bad faith, without legal justification, and constitutes a fraudulent encumbrance on my property and financial reputation. III. VIOLATIONS OF FEDERAL LAW The Respondents actions violate multiple provisions of federal law, including but not limited to : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e False, deceptive, or misleading representations 15 U.S.C. 1692f Unfair or unconscionable means 15 U.S.C. 1692g Failure to validate debt Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 Furnisher duty to provide accurate information 15 U.S.C. 1681i Failure to properly investigate disputed information Truth in Lending Act ( TILA ) ( if applicable ) 15 U.S.C. 1635 Right of rescission violations Federal Regulations ( CFR ) 12 CFR 1022.41 Furnisher obligations to investigate disputes 12 CFR 1006.34 Debt validation notice requirements IV. VIOLATIONS OF STATE LAW ( MICHIGAN ) The Respondents conduct also violates Michigan law, including : Michigan Penal Code MCL 750.248 ( False pretenses/ fraudulent claims ) MCL 600.2907a Slander of title ( filing false lien claims ) MCL 565.25 & 565.451a Recording statutes requiring lawful basis Michigan Consumer Protection Act ( MCL 445.901 et seq. ) Unfair, deceptive practices The filing of a knowingly false lien constitutes slander of title and fraudulent encumbrance, exposing the filer to civil liability and damages. V. IMPACT ON CREDIT AND FINANCIAL STANDING The improper lien has caused significant financial harm, including : Negative reporting on my consumer credit file ( s ) Lowered credit score due to derogatory public record Denial or reduced likelihood of approval for : Mortgage loans Auto financing Credit cards and lines of credit Increased interest rates and unfavorable lending terms Emotional distress and reputational harm A lienespecially when fraudulently filedmaterially impairs creditworthiness and is considered a major derogatory factor in underwriting decisions. VI. FAILURE TO VALIDATE AND INVESTIGATE Despite my good-faith efforts to dispute and request validation, the Respondent has : Failed to conduct a reasonable investigation Continued reporting inaccurate information Failed to remove or correct the lien Engaged in continued collection activity on a disputed debt This constitutes willful noncompliance under federal law.

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 explanation