Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
I am submitting this formal complaint against the following XXXX  and XXXX currently appearing on my TransUnion credit report. These entries are being reported inaccurately and without verifiable proof of ownership or debt validity. 

Collection accounts appearing on my TransUnion report : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$900.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX {$1500.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2400.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$4900.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXX/XX/XXXX - {$150.00} These accounts are being reported as if they are legitimate and verifiable debts, yet every element of their reporting contains factual and legal inaccuracies that violate my rights under 15 U.S.C. 1681e ( b ), which requires credit reporting agencies and furnishers to maintain the utmost accuracy in all data reported. The information reflected here violates federal law in multiple ways : The dates of last activity are inconsistent and implausibly oldseveral of these entries trace back to XXXX through XXXX, yet they are still being reported in XXXX. Under 15 U.S.C. 1681c ( a ) ( 4 ), no adverse information may be reported beyond XXXX years from the date of first delinquency. These entries are long past that statutory period and therefore can not legally remain on my report. 

The amounts reported for the XXXX XXXX accounts are contradictory and inconsistent with XXXX  student aid records. These balances have never been substantiated through valid XXXX XXXX XXXX documentation, signed promissory notes, or assignment records. Without such proof, these debts remain unvalidated, violating 15 U.S.C. 1692g ( b ), which mandates that XXXX provide detailed written verificationincluding copies of original contracts and itemized account historiesupon request. 

The creditor name XXXX XXXX itself is vague and incomplete, offering no clear identification of the original lender or servicer. This violates 15 U.S.C. 1692g ( a ) ( 2 ), which requires that XXXX  XXXX disclose the exact name of the original creditor. Reporting a generic or partial title fails to establish the entitys legitimacy, rendering the entire entry unverifiable. 

The XXXX XXXX XXXX account is also inaccurate. The listed balance of {$150.00} dated XX/XX/XXXX appears as an active collection, but this alleged debt was never billed to me, nor was I ever a customer at any address associated with that utility account. There has been no proper validation or notice of assignment from the original creditor. Reporting such an account without verification constitutes the furnishing of false information under 15 U.S.C. 1681s-2 ( a ) and violates the FDCPAs prohibition against misleading representation under 15 U.S.C. 1692e.

Collectively, these entries demonstrate a pattern of inaccurate, outdated, and unsubstantiated reporting that is harming my credit reputation and emotional well-being. I have experienced denial of credit, higher interest rates, and constant XXXX  over debts that I do not recognize and that the furnishers have failed to validate. Despite prior disputes, I continue to receive only vague form letters or generic summariesnone of which fulfill the legal requirement for actual debt validation. 

Under 15 U.S.C. 1692g ( b ), each collector is legally obligated to provide proper validation within XXXX  days of receiving my request, including signed agreements, proof of ownership or assignment, itemized account records, and documentation directly from the original creditor. If these documents can not be furnished within the required timeframe, these accounts must be deleted immediately from all credit reporting databases under 15 U.S.C. 1681i ( a ) ( 5 ).

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