Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX XXXX  To Whom It May Concern, Subject : Formal Dispute - Request for Verification and Removal of All Negative and Unverified Accounts Under Federal Law This letter serves as a formal dispute and demand for verification of all negative accounts currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am asserting my rights to full validation, removal of unverifiable information, and cessation of unlawful contact. The relevant federal laws supporting my claims include : - 15 U.S.C. 1681c-2 - Blocking of information resulting from identity theft or inaccurate reporting - 15 U.S.C. 1692g - Debt validation requirement - 15 U.S.C. 1692c - Cease and desist contact provision Below is a list of all negative or questionable entries I demand to be fully verified or removed immediately : 1. XXXX XXXX XXXX Account # XXXX - Transferred to another lender, with reported delinquencies and late payments 2. XXXX  XXXX - Account # XXXX - Included in XXXX XXXX Bankruptcy ; closed by credit grantor 3. XXXX  XXXX - Account # XXXX - Included in XXXX  XXXX Bankruptcy ; closed by credit grantor 4. XXXX - Account # XXXX - Included in XXXX XXXX Bankruptcy ; multiple late payments over several years 5. XXXX XXXX XXXX/ XXXX XXXX - Account # XXXX - Closed account ; potential derogatory marks in XXXX XXXX. XXXX XXXX - Account # XXXX - Paid collection ; settled for less than full balance 7. XXXX - Account # XXXX - Included in XXXX  XXXX Bankruptcy 8. XXXX XXXX XXXX - Account Ending in XXXX - Closed installment account 9. XXXX XXXX  - Account Ending in XXXX - Closed with possible derogatory marks 10. XXXX XXXX XXXX XXXX XXXX Account Ending in XXXX - Closed with potential historical late payments If any of the above items can not be verified in full compliance with 15 U.S.C. 1692g ( b ), they must be immediately removed from my credit report. Additionally, if any of the accounts are the result of error or identity misuse, I request that they be blocked under 15 U.S.C. 1681c-2.

Further, pursuant to 15 U.S.C. 1692c ( c ), I am invoking my right to demand that you cease and desist all communication unless you provide original documentation proving that I am legally obligated for these debts.

I request that the results of your investigation be sent to me in writing within 30 days. Failure to respond in accordance with federal law will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potentially civil litigation.

Enclosed : - A copy of my credit report with disputed accounts highlighted - A copy of my government-issued photo ID - Proof of my current address 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