Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This dispute concerns an alleged move-out balance arising from my former tenancy at XXXX XXXX XXXX XXXX XXXXXXXX XXXX. This dispute is directed to XXXX as the original creditor and creator of the alleged balance, XXXX XXXX XXXX XXXX as the third-party collection agency asserting the debt, and TransUnion as the consumer reporting agency reporting and/or verifying the information. Each entity is addressed only as to its respective legal obligations. This submission is made solely for purposes of accuracy and verification and does not constitute an acknowledgment of liability, ownership, or responsibility for the alleged obligation. 

The basis for this dispute is set out chronologically, as the sequence of events is essential to understanding why the asserted balance is inaccurate, unsupported, and partially prohibited under the lease. 

In XXXX and XX/XX/year>, prior to move-out, I disclosed and documented that my cat was an emotional support animal. Documentation from a licensed medical provider was submitted to XXXX and acknowledged by on-site staff, including XXXX. The accommodation was not denied. Under Section XXXX of the lease, an assistance animal is not treated as a pet, and animal deposits, additional rent, fees, or other charges may not be assessed for an approved emotional support animal. Any pet-related charge included in the asserted balance is therefore prohibited under the lease and renders the balance inaccurate. 

I vacated the unit on XX/XX/year>. Prior to vacating, I requested a final walkthrough inspection consistent with Section XXXX of the lease. Management did not attend or conduct a joint walkthrough. Because management did not meet for the move-out inspection, I documented the condition of the unit by continuous video at the time of move-out. I retain a copy of this move-out video in its original format and am prepared to provide it upon request during any reinvestigation. 

On XX/XX/year>, I emailed XXXX and advised that I had documented the condition of the apartment by video and that the unit had been thoroughly cleaned prior to vacating. I disputed any charges inconsistent with that documented condition. 

After receiving the final account statement, I timely disputed specific charges in writing, including a cleaning charge and a carpet charge. On XX/XX/year>, I specifically questioned whether the cleaning charge was assessed because I had a cat and stated that the apartment was not left in a condition that would justify the amount charged. 

The lease permits cleaning charges only under Section XXXX if the unit was not cleaned adequately and only to the extent such charges are reasonable and condition-based. The lease does not authorize automatic, flat, or non-condition-based cleaning fees. No inspection report, photographs, invoices, or condition-based documentation were provided to support the cleaning charge. 

The lease further limits tenant liability for damages under Section XXXX to those caused by negligence, carelessness, accident, or abuse. Routine turnover, normal wear and tear, and depreciation are excluded from tenant responsibility. No inspection findings, photographs, or documentation demonstrating damage beyond ordinary wear and tear were provided to substantiate the carpet charge. 

In XX/XX/year>, I was contacted by XXXX XXXX of XXXXXXXX XXXX regarding the asserted balance. No substantiation of the disputed charges was provided. On or about XX/XX/year>, XXXX XXXX, writing on behalf of XXXX, stated that the charges were correct and that the account would be activated. This response did not address the missed walkthrough contemplated by Section XXXX, the preserved move-out video, the assistance animal protections under Section XXXX, or the condition-based requirements of Sections XXXX and XXXX. The disputes therefore remained unresolved. 

Despite the unresolved disputes and absence of supporting evidence, the asserted balance of {$170.00} was later transferred to a third-party collection agency, XXXX XXXX XXXX XXXX XXXX The collection agency is now asserting a total amount of approximately {$200.00}, reflecting the addition of interest and other amounts beyond the original balance claimed by XXXX. 

Under Section XXXX of the lease, interest and collection-related charges are conditional and derivative. Any interest or collection amounts rely on a lawful and accurate principal balance and require compliance with procedural prerequisites. Because the original balance includes charges prohibited by Section XXXX and unsupported under Sections XXXX and XXXX, the increased amount asserted in collections is likewise inaccurate and can not be validated. 

For these reasons, the asserted balance can not be verified as accurate. I am requesting correction of the record to reflect an accurate balance and withdrawal of any unsupported or prohibited charges, including recall of the account from collections and removal of any related credit reporting if the balance can not be substantiated. 

This dispute is submitted in good faith for the sole purpose of ensuring accurate records and accurate credit reporting. All rights are expressly reserved.

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