Consumer complaint received 2025-09-22 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:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Date : [ Insert Date ] To : Experian Equifax TransUnion Subject : Formal Dispute & Request for Validation of Accounts To Whom It May Concern, I am formally disputing the accuracy and validity of the following accounts appearing on my credit reports. These items are reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires consumer reporting agencies to ensure maximum possible accuracy, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, which requires debt collectors to provide proper validation upon request. 

Disputed Accounts XX/XX/XXXX These accounts are being reported inaccurately and without proper validation. I am demanding that : Each furnisher provide full validation, including the original signed contract, complete payment history, itemized balance breakdown, and proof that they have the legal right to collect in theXX/XX/XXXX 

The credit bureaus cease reporting these accounts until validation is provided, as required by the FDCPA and FCRA. 

If validation can not be produced, the accounts must be permanently deleted from my credit reports. 

No debt associated with these accounts may be transferred, sold, or reassigned to any other collection agency, as this would constitute continued collection activity without validation. 

All collection activity, including reporting and verifying these accounts, must cease immediately until proper documentation is provided. 

XXXX XXXXXX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Furnishers can be held liable when reporting information that is misleading or incomplete. 

XXXXXX/XX/XXXXXXXX ) Once on notice of a dispute, furnishers must conduct a reasonable investigation and correct inaccuracies. 

XXXX v. Equifax XXXX XXXX, XXXXXX/XX/XXXX Credit reporting agencies must ensure maximum possible accuracy in reporting. 

XXXX XXXX XX/XX/XXXXXXXX. XXXX ) Failure to properly investigate disputed debts can result in liability under the FCRA. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) Debt collectors must provide more than a mere statement ; they must supply actual evidence of the debt. 

Notice of Intent to Sue If these accounts are not validated and permanently removed within the statutory timeframe, I reserve the right to pursue legal action against your company for willful and negligent violations of the FCRA and FDCPA. Such action may include claims for actual damages, statutory damages, attorneys fees, and court costs. 

Please conduct a full reinvestigation and provide me with written confirmation of the results within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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