Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX ( current debt collector ), XXXX XXXX XXXX ( debt owner ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( prior purchaser ), and TransUnion LLC ( XXXXredit reporting agency ) for a continuing pattern of violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my states consumer-protection laws. 

To demonstrate the ongoing misconduct, I reference and attach my earlier CFPB complaints : XX/XX/year> Ref. # XXXX Complaint against XXXX XXXX XXXX for re-reporting a XXXX  XXXX XXXX account that had been deleted after dispute, without proper verification or the five-day reinsertion notice required by FCRA 1681i ( a ) ( 5 ) ( B ).

Alleged violations of FCRA 1681i ( a ) ( 6 ), 1681e ( b ), 623 and XXXX XXXX, XXXX, XXXX, XXXX. 

XX/XX/year>XXXX XXXX XXXX XXXX Complaint against XXXX XXXX XXXX and XXXX XXXX XXXX for : Unverified Address : Reporting an address I have never lived at, without proof. 
Inadequate Validation : After my timely FDCPA validation request, they provided only old XXXX XXXX statements and a generic ownership summaryno signed contract or chain-of-title documentation. 
Continued Reporting of Disputed Debt : Persisting in reporting the account as disputed, harming my credit. 
Alleged violations of FCRA 1681s-2 ( b ), FDCPA 1692e & 1692f, and my states UDAP statute. 

XX/XX/year> : Disputed inaccurate XXXX XXXX XXXX account ( ending XXXX ) with TransUnion. 
XX/XX/year> : TransUnion deleted the tradeline after my dispute ( Ref. # XXXX ). 
XX/XX/year> : Debt reappeared under XXXX XXXX XXXX, without the five-day reinsertion notice required by FCRA 1681i ( a ) ( 5 ) ( B ). 
XX/XX/year> onward : Continued disputes and CFPB complaints as noted above. 

Multiple XXXX  Disputes with TransUnion : Each time I disputed the tradeline, TransUnion responded only that the account was verified, without providing any supporting documentation or the required method of verification, violating FCRA 1681i ( a ) ( 1 ) ( reasonable reinvestigation ) and 1681i ( a ) ( 6 ) ( B ) ( duty to describe verification procedures ). 

XX/XX/year> : While my most recent CFPB complaint was still pending, I received a collection notice from XXXX XXXX XXXX, stating they are now collecting on behalf of XXXX XXXX. 

Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ) : Reinsertion of deleted information without the required five-day written notice.

1681i ( a ) ( 1 ) & 1681i ( a ) ( 6 ) ( B ) : XXXX failure to conduct a reasonable reinvestigation and to provide the method of verification after repeatedly marking the tradeline verified without proof.

1681e ( b ) & 1681s-2 ( b ) : Failure of furnishers ( LVNV/Resurgent ) to ensure maximum possible accuracy and to conduct a reasonable investigation.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e : False or misleading representations regarding the debts status by repeatedly re-reporting and transferring th
e account during active disputes.

15 U.S.C. 1692f : Unfair means to collect by continuing activity without proper validation.

N.C. Gen. Stat. 75-54, 75-55, 75-56 : Deceptive or misleading debt-collection practices.

N.C. Gen. Stat. 75-1.1 : Unfair and deceptive trade practices by re-reporting a disputed debt and repeatedly transferring it among affiliates.

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