Consumer complaint received 2025-07-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : [ Todays Date ] To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against XXXX XXXX XXXX for Invalid Debt Reporting and Collection Dear Sir or Madam, I am filing this formal complaint against XXXX XXXX XXXX and its debt collector, XXXX XXXX, regarding an invalid debt that has been erroneously reported under my name and forwarded to collections without justification. 

On XX/XX/XXXX, I traded my XXXX phone for an XXXX XXXX XXXX XXXX at an XXXX XXXX XXXX store and made a down payment of {$400.00} ( Receipt Number : XXXX ). I later paid off the remaining balance of {$940.00} ( Confirmation Number : XXXX ) on XX/XX/XXXX, and successfully unlocked my device ( IMEI : XXXX ). My account was then canceled at my request. 

In XX/XX/XXXX, I was notified of a small remaining balance of {$19.00}, which I promptly paid. However, despite my full settlement of all obligations, XXXX XXXX XXXX subsequently reported an alleged debt of {$1300.00} to XXXX XXXX ( Account XXXX : XXXX ). 

I have repeatedly requested proof from XXXX XXXX XXXX and XXXX  of any valid debt owed by me. To date, they have failed to provide evidence of any outstanding balance or of any additional device or wireless number associated with my account. 

Additionally, I want to note that I have never received or requested any additional service, line, phone number, or device from XXXX XXXX XXXX beyond the XXXX XXXX XXXX XXXX that I fully paid off and unlocked. XXXX XXXX XXXX has no proof of activation or usage of any other service or device under my name, and I am unaware of any such account or obligation. 

I have made several attempts to resolve this matter directly with XXXX XXXX XXXX. Because I no longer have an active account with them, I was unable to log in online. I visited local XXXX XXXX XXXX branches, and their staff called customer service on my behalf. However, I remained on hold for more than an hour without receiving any response. I also filed a dispute through TransUnion, providing all relevant documentation, but TransUnion simply rejected the dispute without offering a clear explanation or resolution. 

This invalid debt has been improperly reported to credit reporting agencies and has negatively impacted my credit history and financial standing. 

I respectfully request the XXXX assistance in investigating this matter and holding XXXX XXXX XXXX XXXX XXXX accountable for : Failing to substantiate the alleged debt with evidence. 

Reporting inaccurate information to credit reporting agencies. 

Engaging in unfair collection practices despite my documented payments and cancellation. 

Creating unreasonable barriers to communication and resolution. 

Requested Resolution : Immediate removal of the invalid debt from my credit reports with XXXX XXXX and TransUnion. 

Immediate cessation of all collection activities by XXXX XXXX XXXX 

Written confirmation from XXXX XXXX XXXX that no outstanding debt remains. 

I have attached documentation supporting my case, including payment receipts, unlock confirmation emails, and prior correspondence with XXXX XXXX XXXX. 

Please contact me if you require additional information or documentation. I respectfully request your prompt investigation and resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attachments : Payment Receipts Unlock Confirmation Email Relevant Correspondence

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