Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
To Whom It May Concern, Please note that the FDCPA has been violated by mischaracterizing this alleged debt in your attempts to collect. 
You referenced a loan balance in your letter derelict letter sent to me previously ( I suppose as your attempt to validate debt? ) when in fact the laws governing the alleged contract clearly state this as a credit sale. No loan has taken place between anyone involved in the alleged agreement. The alleged debtor is not a borrower nor have they been loaned any goods or advanced any money by the alleged creditor. Your reporting is not only deceptively misleading it is also substantially absent requisite conditional verifiability, validity ( as related to document evidence in support of physical proof of truth, correctness, and completeness of claim ), and certifiability ( to Metro 2 Format as example ). Per my state 's applicable reporting and or collection laws and per federal standards similar, no claim derelict may be retained much less reported so REMOVE FROM REPORTING this claim of repossession right now, any furtherance is assumed to be your willful disregard of requisites to report and intentional harassment or even extortion under threat of financial injury ( ies ). The claim ( s ) below noted are unlawful Page XXXX of XXXX XXXX XXXX and require deletion today, even here and now so do so immediately : * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Please utilize the following KEY to explain markings on the images of below-shown items being contested : * means REQUIRED ALWAYS ^ Required If Applies ~Industry-Specific Required BSCF Base Segment Character Format HRCF Header Record XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment TRCF Trailer Record HRPF Header Record Packed Format BSPF Base Segment Packed Format TRPF Trailer Record Packed Format XXXX Data Furnisher # XXXX XXXX Data Furnisher # XXXX T TransUnion XXXX essentially stands for Not XXXX Translated within Cra/and or is Unknown F Equifax XXXX Experian XXXX XXXX but Required Reported XXXX Potential Error XXXX Inconsistent XXXX Not Available or Deceptive Q Questionable-conditioned? Questionable Mathematically D Deviant from standards U Unconfirmed or Uncertified Compliant Attack + Do Not Attack XXXX Mixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Fair Credit Reporting Act XXXX XXXX reported with XXXX * * * * and alleged to be COFF Alleged is reported in deficiency of reporting mandates and or behaviors therefore the ophistry must be eradicated as is my legitimately requested resolution, please do so HERE AND NOW! This claim has assumed ailments in at least XXXX or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported : In regard to item questioned above, Data Reporter Identification Number reported as Not Reporting for Experian, XXXX for Trans Union, and as Not Reporting for Equifax are XXXX, XXXX, or each apparently in potential deviation ( XXXX ) from the requisite standard ( XXXX ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). 
OBVIOUSLY, INTEGRITY is a desideratum of adequacy in fair and ethical reporting practices if not legally as well! 
In regard to item questionably reported above, please note that Data XXXX XXXX Address is reported as Not Reporting for Experian, XXXX XXXX XXXX for Trans Union, and as Not Reporting for Equifax are XXXX, XXXX, or each apparently in potential deviation from the requisite standard ( XXXX ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX - XXXX ). As reported, there can be NO deviation from the requisite standard ( XXXX ) for the compliant reporting of XXXX fields within any XXXX XXXX XXXX nor else wise in regard to this mandatorily accurately depicted data field. 
With reference to item questioned above, Scheduled Monthly Payment Amount : reported as Not Reporting for Experian, Not XXXX for Trans Union, and as Not Reporting for Equifax and as such is Page XXXX of XXXX XXXX, each or all in aberrancy from the requisite standard ( XXXX ) and or is not proven much less certifiably compliant to its principal mandates as its relevant and consequential for compliant reporting. This field, as reported, is a divergence from the established CDIAs reporting standards and or is reported XXXX or more of being untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and or else wise not confirmed certifiably compliant to all mandates for ethical and lawful reporting! Clearly, this field asserts that potentially this item of reporting is or is not yet unproven to be an aberrancy at issue with reporting accuracy and or compliance standards. 
* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Under the laws of my state ( and yours even ) and UCC 9.506 as well as State RISA and MVISA statuses, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered too. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : XXXX. EFFECT OF ERRORS OR OMISSIONS. 
XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 
If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of the deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserved the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies.

Furthermore, you are hereby notified that a no point in time and under no circumstances is your company ; and employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US Postal mail system. Again, I DEMAND ( not REQUEST ) that you delete this from my credit reports and desist in your collection efforts, or I will escalate my complaint, demands, defenses and/or claims with my attorney ( ies ). 
In Just Sincerity I leave, Sincerely, My First and Last Name is and ONLY is 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