Consumer complaint received 2025-07-14 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX RE : FINAL NOTICE Failure to Remove Inaccurate Accounts Accounts in Question : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXX XXXX Acct XXXX XXXX {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX  XXXX {$1500.00} To Whom It May Concern : This is a final demand to immediately and permanently delete the inaccurate and unverifiable accounts listed above from my TransUnion credit file. These accounts have been previously disputed in accordance with the Fair Credit Reporting Act ( FCRA ) 611, and your failure to remove or properly verify them now constitutes willful noncompliance under FCRA 616 and 617.

Let me be explicitly clear : XXXX XXXX XXXX have already removed these same accounts from my credit reports after conducting reinvestigations. TransUnion remains the only bureau irresponsibly reporting this informationdespite having no verified proof of its legitimacy. 
Furthermore, I have already provided all required identification and documents to verify my identity, including a valid government-issued ID and proof of address. Please do not respond with stalling tactics or requests for documentation that has already been submitted. This would be considered bad faith and a further violation of my rights under the FCRA. 

Legal Violations Still Unaddressed : XXXX XXXX XXXX is a debt buyer, not the original creditor, and is misreporting the account structure and ownership. 
No original contract, itemized accounting, or proof of debt assignment has been presented. 
The accounts were all opened and placed for collection nearly simultaneouslysuggesting duplicated or invalid reporting.

You have failed to provide the legally required method of verification and furnisher contact details as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

At least one account contains incomplete dispute notations that have never been resolved, violating FCRA 1681i ( a ) ( 5 ) ( A ).

DEMANDS : You are hereby instructed to : Delete all disputed accounts from my TransUnion credit file immediately Provide written confirmation of the deletions Or furnish the following legally required documents within 15 calendar days : o The original signed contract with my wet-ink signature o A complete and itemized billing history o Proof of assignment or sale from the original creditor to XXXX XXXX XXXX XXXX 
If you can not supply this information, you are legally obligated to delete these accounts. 
If You Fail to Comply : I will not hesitate to take the following actions : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Illinois Attorney Generals Office ; Submit all correspondence and documentation to the XXXX XXXX XXXX ; Pursue legal action for willful and negligent noncompliance under FCRA 616 and 617.

This is your final opportunity to resolve this issue voluntarily and avoid escalation. 
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 explanation