Consumer complaint received 2025-10-21 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: HI

Complaint narrative:
To Whom It May Concern, This letter is being sent as a formal dispute and demand for immediate deletion regarding the XXXXXXXX XXXX, which you are currently reporting as Charge-off with an alleged balance of {$770.00}. 

You are now on legal notice under the Fair Credit Reporting Act ( FCRA ) and, if applicable, the Fair Debt Collection Practices Act ( FDCPA ). 



LEGAL VIOLATIONS & COMPLIANCE DEMANDS FCRA 623 ( a ) Reporting Inaccurate or Incomplete Information You are reporting this account as a charge-off without providing full and accurate documentation to support its legal enforceability. I demand the complete and original signed contract, payment history, and charge-off documentation. Failure to provide this in full constitutes willful misreporting of unverifiable data. 

FCRA 611 ( a ) Failure to Investigate Upon Dispute This letter is a direct dispute of the accuracy of this account. You are legally obligated to investigate and delete any data that can not be 100 % verified. Continued reporting of this unverifiable debt after this notice is a clear FCRA violation. 

No Form 1099-C Issued Evidence the Debt Is NOT Charged Off Properly If this account has been charged off, why has no IRS Form 1099-C ( Cancellation of Debt ) been issued to me? Failure to file a 1099-C while claiming a charge-off may represent false accounting, improper reporting to the IRS, and unlawful credit reporting. This inconsistency alone is grounds for deletion. 

FDCPA 809 ( b ) Failure to Validate Debt ( if you are a debt collector ) You are required to provide full validation upon request, including : Proof of ownership of the debt Full chain of title Complete account and payment history Original signed contract If you can not fully validate, you are legally barred from reporting this item or pursuing any collection activity. 



FORMAL DEMAND FOR DELETION Let me be absolutely clear : You are hereby instructed to IMMEDIATELY DELETE this account from all credit reporting agencies ( XXXX TransUnion, XXXX  ). 
You are furnishing derogatory information that is unverified, incomplete, and possibly fraudulent. 

This is not a request. This is a demand backed by federal consumer protection laws. Failure to comply will result in aggressive legal and regulatory action. 



FAILURE TO COMPLY WILL RESULT IN : Complaint to the Federal Trade Commission ( FTC ) Complaint to my State Attorney Generals Office Potential legal action seeking statutory damages under FCRA and FDCPA for each violation You have 15 days from the date of receipt of this letter to provide full documentation or delete this account entirely. I reserve all rights to escalate this matter in court should you fail to comply. 

Sincerely, [ Your Full Name ] [ Signature if mailing ]

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