Consumer complaint received 2025-10-09 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New york XXXX XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXXXXXX  CC : TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX CC : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX Formal Complaint and Request for Investigation & Removal of Unverified Collection Account Account in Question : Collection Agency : XXXX XXXX XXXX. 
Amount Reported : {$280.00} ( verify the decimal amount when filing ) Opened Date : XX/XX/XXXX Credit Bureau Reporting : TransUnion To Whom It May Concern, I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., concerning an allegedly owed debt reported by XXXX XXXX XXXX to TransUnion. 

Upon reviewing my credit report ( dated XX/XX/XXXXXXXX XXXX  ), I discovered a collection account reported by XXXX XXXX XXXX that I do not recognize, nor have I received any form of validation or proof of debt from this company. According to 15 U.S.C. 1692g ( b ) of the FDCPA, a debt collector must cease collection activity until it provides proper validation of the debt. To date, I have not received any original documentation proving : 1. That I owe this debt, 2. That XXXX XXXX XXXX is legally authorized to collect it, and 3. That the information they furnished to TransUnion is accurate, complete, and verifiable as required under FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ).

Violations and Grounds for Deletion Under the FCRA 611 ( a ), if the information can not be verified, it must be deleted from the consumers credit file within 30 days.

Under FCRA 623 ( a ) ( 1 ) ( A ), a data furnisher ( in this case, XXXX XXXX XXXX ) may not furnish inaccurate information to a credit reporting agency. 
Additionally, per FDCPA 807 ( 8 ) and 809 ( b ), reporting unverified debt to a credit bureau constitutes continued collection activity, which is strictly prohibited. 

Since no documentation has been provided proving the debts legitimacy or ownership, this collection entry must be deleted immediately from all credit reporting agencies. Reporting unverifiable or inaccurate information is a direct violation of the FCRA and FDCPA, both of which are enforceable under federal law. 



Requested Resolution I request the following actions : 1. Immediate removal of the XXXX XXXX XXXX account from my TransUnion credit report and all other bureaus if applicable. 
2. Written confirmation from TransUnion and XXXX XXXX XXXX that this account has been deleted. 
3. Assurance that no future attempts will be made to reinsert or re-report this unverifiable debt. 




I affirm that the information in this complaint is true and accurate to the best of my knowledge. I request that this matter be investigated promptly, and that all violations of federal law be corrected immediately. 

Thank you for your attention to this matter. 

Email : XXXXXXXX XXXXXXXX

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