Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Equifax and XXXX XXXXXXXX XXXX regarding the inaccurate and unverified reporting of a charge-off account on my consumer credit report. Despite my previous disputes with Equifax, the account in question remains on my report without proper substantiation. 

Account Details : Creditor : XXXX  XXXXXXXX XXXX  Account Number : XXXX Reporting Agency : Equifax Dispute Reference : XXXX Grounds for Complaint : Failure to Provide Verification of Debt Under Federal Law Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, Equifax is required to conduct a reasonable investigation of my dispute and provide documentation validating the legitimacy of the debt.

Despite my multiple requests, Equifax has failed to provide the method of verification used to confirm this charge-off, as required under 15 U.S.C. 1681i ( a ) ( 6 ).

Equifax must furnish the exact documents XXXX XXXX provided to substantiate this charge-off. 

No Enforceable Contract Exists Under the Uniform Commercial Code ( UCC ) 3-104, a negotiable instrument ( contract ) must bear a valid signature indicating an agreement to pay. 

I have requested XXXX XXXX to provide a signed contractual agreement proving my obligation to pay this alleged debt. To date, no such signed contract has been provided. 

If no signed agreement exists, there is no valid contract to enforce under UCC 3-401 and 3-501.

Capital Ones Reporting May Constitute Fraudulent Misrepresentation The FCRA mandates that data furnishers report only accurate and verifiable information.

By failing to provide a legally binding agreement or proof that I authorized the alleged debt, XXXX XXXX may be in violation of 15 U.S.C. 1681s-2 ( a ), which prohibits furnishing information without reasonable basis for accuracy.

Reporting a charge-off without a legally enforceable contract may also violate the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692e, which prohibits deceptive practices in debt collection.

Requested Resolution : Equifax must remove this charge-off from my credit report immediately due to the lack of a verifiable, enforceable contract. 

XXXX XXXX must provide a copy of a signed agreement proving my obligation to pay the alleged debt, or issue a written statement confirming the debts unverifiability. 

Equifax must disclose the specific documents received from XXXX XXXX as part of its investigation, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

If these demands are not met within 30 days of receipt of this complaint, I will pursue further legal action, including filing complaints with the Federal Trade Commission ( FTC ), my state attorney general, and pursuing civil remedies for any damages incurred due to this erroneous reporting.

Thank you for your prompt attention to this matter. Please provide a response detailing the actions taken to address this complaint. 

Sincerely, XXXX XXXX Without prejudice UCC 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