Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TN XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Agreement # XXXX Formal Dispute of Charge-Off Reporting NOTICE OF DISPUTE AND DEMAND FOR DELETION This letter serves as my formal dispute of the reporting, handling, and collection of the above-referenced account. Your company has knowingly and willfully violated my consumer rights under federal la

w, Tennessee UCC statutes, and the Fair Credit Reporting Act ( FCRA ). Violations & Legal Grounds 1. FCRA 15 U.S.C. 1681e ( b ) You have failed to ensure maximum possible accuracy in reporting this account. The repeated charge-off notation every month is materially misleading, inaccurate, and unlawful. A charge-off may only be recorded oncenot reported as a recurring, ongoing derogatory tradeline. 
2. FCRA 15 U.S.C. 1681c ( a ) ( 4 ) You are reporting obsolete and adverse information in a way that unfairly extends the penalty of a charge-off beyond permissible limits.

3. FCRA 623 ( a ) ( 1 ) ( A ) You are furnishing information to credit bureaus that you know, or should know, is inaccurate.

4. UCC ( Tennessee code ) You have failed to provide documentation establishing ownership of the debt, assignment rights, or securitization of the account, which are required for enforcement and collection.

Required Documentation If you contend this debt is valid, you are required to immediately provide the following documentation for review : The original signed contract establishing the account.

The 1099-C IRS cancellation of debt form if any portion of the account was written off. 
Proof of ownership of the debt and debt securitization records. 
The transfer/trust assignment contract, flow agreement, and bill of sale if this account was sold or transferred to any third-party collection agency. 
Account-level documentation showing itemized calculation of balance, including principal, interest, late fees, and any additional charges. 
Proof of licensing and bonding to collect in the State of Tennessee for any third-party attempting to collect.

Failure to provide these documents within the time required by law constitutes willful noncompliance.

Demand for Immediate Action Cease all inaccurate reporting of this account to TransUnion. 
Delete this account entirely from my credit profile due to the unlawful monthly re-reporting of a charge-off and failure to validate with proper documentation. 
Provide written confirmation within 15 days of compliance. 

Notice of Intent to Sue Be advised that if you fail to comply, I will proceed with venue arbitration and litigation. Under the FCRA, I am entitled to {$1000.00} per violation plus attorneys fees, costs, and additional monetary relief for damages. Your continued noncompliance will result in a full suit filed against you and any third-party assignees for : Violations of FCRA 15 U.S.C. 1681e ( b ), 1681c ( a ) ( 4 ), and 623 ( a ) ( 1 ) ( A ) Violations of UCC and Tennessee UCC statutes Breach of fiduciary and contractual obligations Emotional and financial damages caused by your unlawful reporting This is your final warning. Govern yourselves accordingly. 

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