Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX DOB : XXXX SSN : XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXXXX/XX/XXXX Formal Multi-Bureau Re-Dispute and Demand for Method of Verification Subject : Inaccurate, Incomplete, and Unverifiable Credit Reporting To Whom It May Concern : This letter constitutes a formal dispute and re-dispute of multiple items appearing on my consumer credit reports. This dispute is submitted pursuant to the Fair Credit Reporting Act ( 15 U.S.C. XXXX et seq. ) and applies equally to TransUnion, XX/XX/XXXX, and XX/XX/XXXX 

I dispute the accuracy, completeness, and legal verification of the following items. 

XX/XX/XXXXXXXX XXXX Account XXXX. XXXXXX/XX/XXXX Reported Status : Charged Off Balance : {$9300.00}XX/XX/XXXX Grounds for Dispute : This account is inaccurate, incomplete, and improperly verified, in violation of 15 U.S.C. XXXX ( b ) and XXXX, for the following reasons : - No consumer reporting agency has produced competent evidence demonstrating how the charged-off balance was calculated. 
- No documentation has been provided showing : - A signed consumer agreement - A complete and accurate payment history - Proof that the charge-off amount is correct and not inflated by fees or interest - The account reflects multiple data changes during investigation, indicating the information was not accurate when originally reported. 
- Continued monthly updating of a charged-off account raises concerns of illegal re-aging, prohibited under FCRA XXXX XXXX a ) ( XXXX ). 

XX/XX/XXXXDemand : Pursuant to 15 U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( XXXX ), I demand : - A full description of the method of verification, including the name, address, and telephone number of the party that verified the account - Identification of the specific documents relied upon - Deletion of this account if lawful verification can not be produced XX/XX/XXXXXXXX XXXX XXXX XXXX BANK Account No. XXXXXX/XX/XXXXReported Status : XX/XX/XXXXDays Past Due Balance : {$4300.00}XX/XX/XXXXGrounds for Dispute : This account is misleading and inaccurately reported : - The report reflects conflicting information, including a listed payment received of {$0.00}, inconsistent ratings, and an unexplained delinquency. 
- No evidence has been provided showing : - Proper billing statements - Accurate calculation of the alleged past-due amount - Compliance with federal billing dispute procedures- Reporting delinquency without complete billing substantiation violates the maximum possible accuracy standard under FCRA XXXX ( b ). 

XX/XX/XXXXDemand : If the furnisher can not provide documented verification beyond automated database confirmation, this account must be deleted. 

XX/XX/XXXX. PUBLIC RECORD BANKRUPTCY ( IF REPORTED ) Type : Bankruptcy Public Record ( if applicable )XX/XX/XXXX Conditional Dispute : If any bankruptcy record is currently appearing on my credit file, it is formally disputed for the following reasons : - Consumer reporting agencies must maintain strict accuracy and completeness for public records under 15 U.S.C. XXXX ( b ). 
- No bureau has provided : - The case number - The date of filing - The date of disposition - Proof the record meets reporting and retention requirements- Reporting an incomplete or unverifiable public record is unlawful. 

XX/XX/XXXX Demand : If you can not verify the bankruptcy directly with the court using certified records, the public record must be deleted immediately. 

XX/XX/XXXX Formal Notice Verification based solely on automated systems, e-OSCAR responses, or furnisher database matching is legally insufficient. 

If you are unable to complete a lawful reinvestigation withinXX/XX/XXXX days, I demand deletion of the disputed items and written confirmation. 

This notice is sent without waiver of any rights and with full reservation of all remedies under federal and state law. 

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 non-monetary relief