Consumer complaint received 2025-12-18 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: DE

Complaint narrative:
CFPB COMPLAINT # 1 XXXX XXXX / Collection Agency  Account : XXXXXXXX XXXX XXXX XXXX XXXX  | Amount : {$300.00} What is the issue?

Inaccurate and unverifiable credit reporting ; failure to conduct a reasonable investigation ; continued reporting without validation.

What happened?

I dispute the accuracy and verifiability of this collection account. I timely sent a certified written request for debt validation to the collection agency pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. The collector has failed to provide competent verification, including a signed service agreement, proof of contractual liability, or documentation establishing lawful placement or authority to collect.

Despite the lack of validation, this account continues to be reported to consumer reporting agencies. Any verification based solely on automated confirmation or furnisher data does not satisfy the Fair Credit Reporting Acts requirement of a reasonable investigation under 15 U.S.C. 1681e ( b ) and 1681i.

I am requesting deletion of this tradeline or, alternatively, production of the actual documentary evidence relied upon to verify the account.

What would you like to see happen?

Deletion of this collection account from all consumer credit reports and cessation of reporting unless and until proper validation is produced. 

CFPB COMPLAINT # 2 XXXX XXXX XXXX / XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX  | Amount : {$790.00} What is the issue? 

Unverifiable debt ; failure to validate ; improper verification procedures. 

What happened? 

I sent a certified written request for debt validation to XXXX XXXX XXXX disputing this alleged XXXX XXXX account. The agency has not produced a signed service agreement, proof of assent, a complete itemization of the balance, or documentation establishing a lawful assignment or chain of title for this specific account.

Nevertheless, the account continues to be reported as verified. Verification based on electronic or data-only confirmation does not meet the FCRAs reasonable investigation requirement. Courts have held that consumer reporting agencies and furnishers must do more than rely on conclusory assertions from a furnisher.

I am disputing this account as inaccurate and unverifiable and requesting deletion unless proper documentary evidence exists.

What would you like to see happen?

Immediate deletion of this collection tradeline from all consumer credit reports or full documentary validation showing contractual liability and lawful assignment. 

CFPB COMPLAINT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Account : XXXX | Amount : {$1300.00} What is the issue? 

Failure to validate debt ; continued reporting without proof of authority or balance accuracy. 

What happened? 

I timely disputed this XXXX XXXX account and sent a certified debt validation request to XXXX XXXX . The collector has failed to provide documentation demonstrating its legal authority to collect and report this account, including any assignment agreement, bill of sale, or account-specific transfer documentation. 

Additionally, no competent evidence has been produced to support the amount claimed. Continued reporting without proper validation violates the FDCPA and the FCRAs requirements for accuracy and reasonable investigation. 

I am requesting deletion of this tradeline or, at minimum, disclosure of the complete method of verification and underlying documents relied upon. 

What would you like to see happen? 

Deletion of this account from all consumer credit reports unless XXXX can produce full contractual and assignment documentation. 

CFPB COMPLAINT # 4 XXXX XXXX ( Auto Installment / Charge-Off ) Account : XXXXXXXX XXXX XXXX XXXX XXXX | Amount : {$8000.00} What is the issue? 

Inaccurate credit reporting ; contradictory balances and terms ; failure to reasonably investigate. 

What happened? 

I dispute the accuracy of this auto installment account reported by XXXX XXXX. The tradeline reflects contradictory payment terms, inflated balance history exceeding the original obligation, and an unsupported charge-off. I have requested validation and documentation, including the original retail installment contract, payment history, and accounting supporting any alleged deficiency. 

Absent such documentation, continued reporting of this account as charged off is inaccurate and misleading. Any verification that does not include review of the original contract and full accounting fails the FCRAs reasonable investigation standard. 

What would you like to see happen? 

Correction or deletion of this tradeline to reflect accurate information, or complete removal if the account can not be fully substantiated.

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