Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Date : XX/XX/XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX To Whom It May Concern, I am writing to formally dispute the validity, legality, and accuracy of the collection account currently reported on my credit file as XXXX XXXX XXXX / C/O XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Amount : {$490.00} Account Number : XXXX This account is being reported under the category of Collections, with a listed charge-off date of XX/XX/XXXX, and a sale to XXXX XXXX XXXX on XX/XX/XXXX XXXX 

XXXX. Violation of the Fair Credit Reporting Act Under the FCRA, 15 U.S.C. 1681s-2 ( b ), a data furnisher ( including XXXX and XXXX ) is required to investigate and correct any inaccurate or incomplete information after receiving notice of a dispute from a consumer. Your reporting fails to meet this requirement for the following reasons : Inaccurate Reporting : There are discrepancies in the credit report including but not limited to : Status shows as Paid after charge-off/collection with {$0.00} past due and {$0.00} last payment, yet the balance is listed as {$490.00}, which is factually incorrect.

" Last Payment '' and " Paid Off '' dates are blank, suggesting improper reporting of account history.

Failure to Verify : The documentation you provided does not legally verify the debt. A bill of sale and credit card statements alone do not demonstrate a valid chain of title nor do they verify that I owe any amount to your agency.

Unlawful Sale and Servicing of Debt It is my contention that this debt was illegally sold and is invalid under applicable state and federal law. XXXX XXXX XXXX XXXX as the original creditor, imposed unreasonable fees, opened the account under predatory terms, and then sold the account to a third-party debt buyer who has no legally enforceable right to collect or report this debt. 

Furthermore, any sale of the account must comply with FDCPA Section 809 ( 15 U.S.C. 1692g ), which requires you to provide proper validation of the debt including : Original signed contract or agreement bearing my signature Full payment history and itemization Chain of custody/ownership of the debt from XXXX XXXX XXXXXXXX  to XXXX To date, no such validation has been provided. Merely providing copies of billing statements is insufficient under the law. 

Violation of the FDCPA and Continued Reporting After Dispute Reporting this account to the credit bureaus after I have formally disputed it without proper investigation and verification constitutes a violation of the FDCPA under 15 U.S.C. 1692e ( 8 ) communicating false credit information.

Request for Immediate Deletion Due to the clear FCRA and FDCPA violations outlined above, and the absence of verifiable proof of debt ownership, I hereby demand : Immediate deletion of this tradeline from all consumer reporting agencies ( XXXX TransUnion, and XXXX ). 

Written confirmation from XXXX that this account has been removed from all credit files. 

Legal Notice of Intent Please be advised that if this tradeline is not permanently removed within 15 calendar days of receipt of this letter, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General 's office.

Pursue legal action against your organization for damages under 15 U.S.C. 1681n and 1681o ( willful and negligent noncompliance with the FCRA ), and 15 U.S.C. 1692k ( FDCPA violations ). 

I am currently obtaining legal counsel to initiate suit if necessary. 



Sincerely, XXXX 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 explanation