Consumer complaint received 2025-05-01 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: IL

Complaint narrative:
This letter serves as a formal dispute of the collection account listed on my credit report with the following details : Creditor/Collector Name : XXXXXXXXXXXX XXXX Loan Type : Collection Account/Attorney Account Type : Open Pay Status : In Collections Account Number : XXXX * * * * Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am exercising my right to dispute this debt and request a complete and documented validation of the account.

This account is being reported in a manner that is incomplete and potentially misleading. 

Specifically : The account type is listed as " open '' when it is in collection, which misrepresents the nature of the account. 
The reporting does not indicate whether the debt is validated or substantiated in accordance with the FDCPA. 
There is no indication of the original creditor, chain of assignment, or a signed contract proving that I owe this alleged debt. 
Therefore, I request the following actions immediately : 1. Provide written validation of the debt, including : The name and address of the original creditor, The date of default, A complete payment history, XXXXXXXX XXXX XXXXXXXX XXXX legal right to collect the debt. 
2. Remove the account entirely from my credit report if you are unable to provide full and accurate verification in accordance with federal law.

3. Cease all collection activity and mark the account as disputed until the investigation is complete, as required under 15 U.S.C. 1692g and 15 U.S.C. 1681s-2.

In addition, saying Collection Account/Attorney, imply legal action or court involvement, which is Misleading, especially since no lawsuit has been filed or no judgment has been issued, and Deceptive, because the word " attorney '' is being used to intimidate or imply legal consequences that does not exist.

This constitutes a violation under multiple consumer laws.

Potential Violations : FCRA, 15 U.S.C. 1681 et seq.

1681e ( b ) Requires that all information furnished for credit reports be accurate and up to date.

Reporting a loan type as Collection Account/Attorney is inaccurate and misleading because no legal action is involved, and therefore a violation of this provision.

FDCPA, 15 U.S.C. 1692 et seq.

1692e ( 5 ) & 1692e ( 10 ) Prohibits false, deceptive, or misleading representations, including falsely implying legal action or using the term attorney to intimidate.

1692g Requires proper validation of debt, which includes clarity on the nature and legal status of the debt.

CFPB Rules CFPB prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ) under the Dodd-Frank Act.

Using ambiguous or intimidating loan descriptors like " Attorney '' without basis may be considered deceptive or abusive.

State Laws Many states ( to include Illinois ) have their own consumer protection acts that mirror or expand on federal laws. Mislabeling a debts status could violate state laws regarding deceptive trade practices.

Be advised that reporting unverifiable or inaccurate information is a violation of the FCRA, and continued reporting without validation may also violate the FDCPA and could subject your agency to legal consequences.

Please consider this letter as formal notice to conduct a prompt investigation. I expect a written response and resolution within 30 days as mandated by law.

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