Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
b'Your Name- XXXX XXXX XXXXnYour AddressXXXX XXXX XXXX XXXX  State ZIP Code- XXXX XXXX XXXXnEmail Address- XXXXnPhone NumberXXXX XXXX XXXXn\nDate: XXXXnConsumer Financial Protection Bureau\nXXXX XXXX XXXX XXXX XXXXn\n\n\nSubject: Complaint Regarding Violations of 15 U.S. Code  1681e(b), 15 U.S. Code  1681i(a)(5), and 12 CFR  1006.34(b)(5)\n\n\n\nDear CFPB,\n\nI am writing to formally file a complaint against [Insert Name of Credit Reporting Agency  e.g., XXXX XXXX, or TransUnion] and the collection company reporting inaccurate and unverified information. This complaint involves multiple violations of the Fair Credit Reporting Act (FCRA) and Regulation F under the Fair Debt Collection Practices Act (FDCPA).\n\n\n\nSummary of the Issue:\n\nI discovered inaccurate and/or incomplete information on my credit report maintained by TransUnion. I exercised my right under the FCRA to dispute the inaccurate information and submitted my dispute on XXXX including all relevant supporting documentation.\n\nDespite this, the Credit Reporting Agency failed to meet its legal obligations. Additionally, the collection company furnishing this information has failed to provide required validation disclosures but has continued to report the debt, causing ongoing harm to my credit.\n\n\n\nViolations:\n1.15 U.S. Code  1681e(b):\nThe CRA has failed to follow reasonable procedures to ensure the maximum possible accuracy of the information it reported. The presence of unverified and inaccurate data demonstrates noncompliance with this federal requirement.\n2.15 U.S. Code  1681i(a)(5):\nFollowing my formal dispute, the CRA did not properly correct or delete the disputed information as required. This is a direct violation of the FCRAs reinvestigation provisions.\n3.12 CFR  1006.34(b)(5):\nThe collection agency reporting this debt has not provided validation information, including the name of the current creditor as required by law. Despite this failure, they have placed and are continuing to report the alleged debt on my credit report.\n\n\n\nRelief Requested:\n\nI respectfully request that the CFPB:\nInvestigate this matter and hold Transition and the reporting collection agency accountable for their non-compliance;\nRequire immediate correction or deletion of all inaccurate and unvalidated information on my credit reports;\nEnsure both the CRA and collection company implement and follow reasonable procedures to prevent recurrence;\nProvide a written response from the CRA and/or the collection agency detailing their reinvestigation process and findings;\nProvide any additional relief or enforcement actions the CFPB deems appropriate.\n\n\n\nNotice of Intent:\n\nIf my requests are not fulfilled within 30 days, I will move forward with the litigation process to pursue XXXX in statutory damages for each inaccuracy present on my credit report, as permitted under the Fair Credit Reporting Act.\n\n\n\nI have attached supporting documentation, including:\nA copy of my original dispute letter\nA copy of my current credit report showing the disputed account(s)\nAny correspondence received from the credit reporting agency or collection company\n\nThank you for your attention to this matter.\n\nSincerely,\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