Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
This communication serves as a formal and final demand for the immediate deletion of the grossly inaccurate and unverified collection account reported under the name ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Be advised that this complaint is a precursor to civil litigation and regulatory action. Your continued willful reporting of this false information constitutes a blatant violation of federal law and will not be tolerated. 

You have failed to provide any valid validation of this alleged debt. Specifically, you have been unable to produce a wet-ink, legally binding contract signed by me, a complete itemized statement of the account, or a clear chain of custody demonstrating your legal right to collect. Your continued reporting of this unverified account violates 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), which requires you to cease collection activities until validation is provided. 

Furthermore, your willful and repeated failure to conduct a reasonable investigation into this dispute, despite receiving notice that the account is inaccurate and unverified, constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ). Your actions demonstrate an egregious disregard for consumer protection laws.

Your practice of reporting unverified information to a federal agencythe Consumer Financial Protection Bureauand to credit reporting agencies constitutes deliberate misrepresentation and fraud. This conduct is criminal in nature and violates federal statutes, including 18 U.S.C. 1001 ( false statements to federal agencies ), and 18 U.S.C. 1341 and 1343 ( mail and wire fraud ). Be aware that these violations will be reported to the appropriate authorities, including the Federal Bureau of Investigation ( FBI ). 

I demand that you cease and desist all reporting of this false account immediately. This is not a request for a " dispute '' remark or " suppression. '' I demand complete and permanent DELETION of this collection account from all three major credit reporting agencies : Equifax, Experian, and TransUnion. Any action short of full deletion will be considered a continuation of your fraudulent activity. 

This is your final opportunity to resolve this matter. Take immediate action to delete this account from all my credit reports. Failure to comply within ten ( 10 ) business days will trigger immediate legal escalation, including the filing of a civil lawsuit for statutory and punitive damages, submission of a formal bar complaint, and comprehensive referrals to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and other state and federal law enforcement agencies for investigation of criminal fraud.

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