Consumer complaint received 2025-07-03 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:
TransUnion LLC XXXX XXXX XXXX  XXXX, PA XXXX 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 : RE : FORMAL DISPUTE OF DEROGATORY, COLLECTION, AND CHARGED-OFF ACCOUNTS UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) AND THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) To Whom It May Concern : This letter is a * * formal dispute * * and * * demand for deletion * * of all derogatory, inaccurate, unverifiable, or obsolete accounts listed below. I am asserting my rights under : - * * FCRA 609 ( a ) ( 1 ) * * Right to view full file and documentation - * * FCRA 611 ( a ) * * Right to dispute and reinvestigate inaccurate items - * * FCRA 623 ( a ) ( 5 ) * * Duty of furnishers to report accurate data - * * FDCPA 809 ( b ) * * Right to request debt validation from collectors These items are being reported without proper verification, original signed contracts, or legal debt validation. They * * must be removed immediately * * or verified with full documentation. 

-- - XXXX. * * XXXX XXXX * * - * * Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : * * {$870.00} - * * Violations : * * - FCRA XXXX Inaccurate balance and status - FDCPA XXXX No debt validation provided - FCRA 611 Reporting charged-off debt with unresolved dispute XXXX. * * XXXX XXXX  * * - * * Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : * * {$0.00} - * * Violations : * * - FCRA 609 No signed agreement provided - FDCPA 809 No validation from collector - FCRA 623 Unclear charge-off and ownership XXXX. * * XXXX  ( XXXXXXXX XXXX XXXX  XXXX ) * * - * * Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : * * {$8100.00} - * * Violations : * * - FCRA 611 Reporting disputed data as meets requirements - FDCPA 809 No proof of assignment from original creditor - FCRA 609 No contract or legal substantiation XXXX. * * XXXX XXXX XXXX XXXXXXXX ) * * - * * Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : * * {$610.00} - * * Violations : * * - FCRA 623 Incomplete data from furnisher - FDCPA 809 No itemization or HIPAA authorization - FCRA 609 Reporting without validation XXXX. * * XXXXXXXX XXXX XXXX XXXXXXXX XXXX * * ( Multiple accounts ) : - * * Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : * * {$830.00} - * * Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : * * {$830.00} - * * Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : * * {$830.00} - * * Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : * * {$880.00} - * * Violations ( All ) : * * - FDCPA 809 No proof of debt ownership or legal authority - FCRA 611 Continued reporting despite active disputes - FCRA 623 Reporting medical collections with no consent under HIPAA -- - # # # DEMAND FOR ACTION : You are required by federal law to either : 1. * * Delete * * each account listed above within * * 30 days * *, OR 2. Provide the following for each : - Original signed contracts or applications - Complete payment history - Legal proof of assignment or ownership - Itemized breakdown of the debt Failure to act in compliance will result in : - Formal complaints with the * * CFPB, FTC * *, and * * State Attorney General * * - Possible * * civil litigation * * under * * FCRA 616 * * and * * FDCPA 813 * * You have 30 calendar days from receipt of this notice to respond with proof or delete the accounts. 

Sincerely, 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