Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
b' AFFIDAVIT OF DISPUTE\nThis formal AFFIDAVIT OF DISPUTE is submitted under the Fair Credit Reporting Act\n(FCRA) and Fair Debt Collection Practices Act (FDCPA). TransUnion is reporting\noutrageous, inaccurate, and unverifiable information that damages my credit reputation.\nYou are legally obligated under XXXX  U.S.C.  XXXX(b), XXXX(a)(XXXX)(A), XXXX(a)(XXXX)(A), and \XXXX  to ensure maximum possible accuracy and to delete unverifiable data following a lawful\nreinvestigation.\n PERSONAL INFORMATION DISPUTE\nOnly the following personal information is accurate and authorized to remain on my file:\nJuan Smart XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX | (XXXX) XXXX-XXXXXXXXRemove all outdated or inaccurate identifiers, including: XXXX XXXX XXXX, XXXX XXXX,\nand prior addresses (XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX, etc.). Failure to correct this information violates FCRA XXXX  and XXXX XXXX Segment requirements.\n DISPUTED ACCOUNTSXXXX  XXXX XXXX XXXX (XXXX)\nOriginal Creditor: XXXX  Casualty Co.\nAccount #: XXXX  Balance: $XXXXStatus: Active collection\nThis account is being reported across all three bureaus with conflicting data and remains\nunverified. Under FCRA XXXX(b), TransUnion must maintain accuracy. Under\XXXX(a)(XXXX)(A), you must conduct a reasonable reinvestigation supported by competent\nevidence, not automated XXXX confirmations. If the furnisher cannot produce a\nwet-signed contract, itemized billing statement, and assignment documentation, the\naccount must be deleted under XXXX(a)(XXXX)(A). Additionally, FDCPA XXXX  requires\nvalidation prior to reporting or collection  no such proof has been provided.\XXXX  XXXX XXXX XXXX XXXXOriginal Creditor: XXXX XXXX XXXX XXXXAccount #: XXXX  Balance: $XXXXStatus: Active collection\nThis account is outrageously inaccurate and unverifiable. It appears solely on TransUnion\nand lacks any evidence of contractual liability, billing statements, or assignment rights. Under\nFCRA XXXX(b) and XXXX(a), you are required to maintain accuracy and delete\nunverifiable data. Under FDCPA XXXX, Aldous & Associates must provide complete debt\nvalidation including the signed contract, membership agreement, and payment ledger.\nFailure to comply constitutes willful noncompliance under XXXX U.S.C. XXXX  & XXXX.\n LEGAL NOTICE AND DEMAND\nThese violations are outrageous and materially damaging. Failure to delete or properly\nvalidate these accounts within the legally mandated time frame will result in CFPB and FTC\ncomplaints, XXXX  filings, and a civil lawsuit for FCRA and FDCPA violations. TransUnion is\ninstructed to preserve all internal records, communications, and reinvestigation results for\npotential litigation.'

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