Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
INTENT TO SUE FOR {$10000.00} + FULL DEBT VALIDATION DEMAND FDCPA ( 15 U.S.C. 1692g ) | FCRA | Case Law Included From : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Debt Validation , Dispute, Cease Collection, and Intent to Sue for {$10000.00} Under FDCPA 809 ( 15 U.S.C. 1692g ) | FCRA Reporting Requirements | Case Law Authority To Whom It May Concern : This letter serves as my formal dispute of the alleged debt your company claims I owe and a demand for full validation, as required by the Fair Debt Collection Practices Act ( FDCPA ). In addition, this is my formal Notice of Intent to Sue for {$10000.00} if XXXX XXXX XXXX continues reporting, attempting to collect, or communicating about an unvalidated debt. XXXX. DEMAND FOR FULL VALIDATION ( FDCPA 15 U.S.C. 1692g ) You must cease all collection activity until the following documentation is provided : Required Validation : A contract, agreement, or instrument bearing my signature, proving I entered into the alleged obligation. Full name and address of the original creditor. Complete itemized accounting, including : Original balance All fees, interest, penalties Dates and amounts of all alleged transactions Proof of legal transfer, assignment, or purchase of the alleged debt to XXXX XXXX XXXX XXXX XXXX Proof of legal authority to collect in Virginia, including collection license documentation, if applicable. Proof that the alleged debt was not included in a bankruptcy or discharged under federal law. XXXX CREDIT REPORTING & FEDERAL VIOLATIONS If you continue reporting this unvalidated debt to XXXX  XXXX XXXX  XXXX or TransUnion , you may be violating : FCRA 607 ( b ) duty to report accurate information FCRA 611 duty to reinvestigate disputed information FDCPA 1692e false or misleading representations FDCPA 1692f unfair practices Case Law Supporting My Rights XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Debt collectors must provide competent evidence of the debts validity when requested. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Collectors must produce actual documentation, not summaries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : Reporting unvalidated debts may violate both FDCPA and FCRA. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : All debt collectors, including attorneys, are bound by the FDCPA. Failure to validate means the debt can not legally be collected or reported. 3. 30-DAY DEADLINE You must respond within 30 days of receiving this notice. If you can not provide complete validation : All collection activity must stop immediately, And you must remove all negative credit reporting related to this alleged debt. Failure to do so will be treated as willful and negligent noncompliance with federal law. 4. INTENT TO SUE FOR {$10000.00} If XXXX XXXX XXXX : fails to validate the debt, continues to report it inaccurately, continues collection activity, or violates the FDCPA or FCRA in any way, I will pursue legal action seeking up to {$10000.00}, including : Statutory damages Actual damages Emotional distress damages Punitive damages Attorneys fees Court costs Additionally, I will file complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Virginia Attorney General XXXX XXXX XXXX  XXXX. COMMUNICATION RESTRICTION Effective immediately, you must communicate with me in writing only, mailed to the address above. You are not authorized to call, email, or contact me at work. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, VA 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