Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX : XXXX DOB : XX/XX/XXXX SSN : XXXX XX/XX/XXXX To : TransUnion LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Demand for Legal Verification, Supporting Documentation, and Identification of Account Verifiers under FCRA & UCC To Whom It May Concern, This letter serves as a formal dispute of the following accounts appearing on my credit report. I am demanding full legal verification under the Fair Credit Reporting Act ( 15 USC 1681i, 1681s-2 ) and Uniform Commercial Code ( UCC 9-609 & 9-610 ). You are reporting the following accounts without sufficient documentation or lawful investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have been marked in dispute, and I now demand a legally compliant reinvestigation and full documentation to support your continued reporting. 

LEGAL REQUIREMENTS : FCRA 1681i requires the credit bureau to conduct a reasonable investigation into disputed accounts and remove any that are inaccurate, incomplete, or unverifiable. Using the automated e-Oscar system does not satisfy the legal standard of a lawful investigation. 

FCRA 1681s-2 ( a ) makes it illegal for furnishers like XXXX and XXXX to report any information they know or should know is inaccurate or unverifiable. 

DOCUMENTATION DEMANDS : For each account listed above, I demand : A copy of the original signed contract or application with my wet signature A complete itemized statement showing how the balance was calculated A chain of custody / flow sheet for each debt, proving legal ownership For the XXXX repossession : Repossession logs Notice of intent to sell Proof of sale Full deficiency breakdown Commercial reasonableness of sale under UCC 9-610 ADDITIONAL FCRA DEMAND : I am also demanding for each account : The full name, title, and company name of the individual who verified this account The method used to verify it ( manual vs. electronic ) Written confirmation that the verification was not done via e-Oscar A PAST BILL OR GENERIC LETTER IS NOT VALIDATION Let me be extremely clear : A bill is not validation A summary or system-generated statement is not verification A letter claiming the account is verified without documentation is not acceptable under the FCRA or UCC 30-DAY LEGAL DEADLINE If you can not comply with all of the above demands within 30 days, you are legally obligated to : Immediately DELETE these accounts from my credit file Provide me with confirmation of removal in writing FAILURE TO COMPLY WILL RESULT IN : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) A report to the Federal Trade Commission ( FTC ) A complaint to the Illinois Attorney General A civil lawsuit for violations of FCRA and UCC, including credit defamation and consumer harm This is your final notice. All future communications must be in writing only. 

Sincerely, XXXX XXXX XXXX DOB XXXX XX/XX/XXXX SSN : XXXX 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