Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am the undersigned affiant, over the age of eighteen ( 18 ), and competent to testify to the matters stated herein.

2. I am the subject of a credit report dated XX/XX/year>, issued by XXXX, which includes a tradeline from XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX, showing derogatory information.

3. The information being reported includes an inaccurate move-out date, which I dispute based on personal records and repeated communication attempts with the leasing office.

4. I attempted multiple times to schedule a move-out inspection with the leasing office. No inspection was completed, nor was I provided any inspection report with my wet signature.

5. I have never received a copy of the original lease agreement bearing my wet signature. 
6. To date, I have not been presented with any assignment contract, forward flow agreement, or chain of assignment proving legal transfer or collection rights by XXXX XXXX. 
7. Only one collection company, XXXX XXXX, has been involved in the handling and reporting of this debt. Nevertheless, my cease and desist request was ignored. 
8. XXXX XXXX has continued to furnish negative credit reporting entries on my consumer file, in violation of my written instructions and relevant laws. 


XX/XX/year> To : XXXX at XXXX XXXX / XXXX XXXX. 
Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Via : XXXX XXXX Mail w/ Return Receipt Subject : Formal Dispute of Inaccurate, Unlawful, and Privacy-Violating Credit Reporting and Demand for Immediate Remedy Dear XXXX XXXX XXXXXXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, am writing to formally dispute and demand remedy for violations associated with the reporting, handling, and assignment of the alleged debt related to a rental lease account. The following summarizes my position and the legal remedies sought : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Credit Report : XXXX XXXX Report Report Date : XX/XX/year> Report ID : XXXX I. VIOLATIONS AND UNLAWFUL ACTIVITY Inaccurate Move-Out Date Reporting The move-out date reflected in your reporting is factually inaccurate. I dispute this item in its entirety and request supporting documentation. 
Failure to Provide Original Lease Agreement You are hereby demanded to provide the original, unaltered lease agreement containing my wet signature.

Failure to Provide Move-Out Inspection No legally compliant move-out inspection was ever completed, despite my documented efforts to schedule this with the leasing office. If an inspection exists, I demand a copy bearing my wet signature as required by Florida Statutes 83.49 and applicable lease terms.

Failure to Comply with Cease and Desist I previously submitted a written cease and desist request. Despite this, your agency continues to furnish derogatory tradelines on my credit report, which constitutes unlawful communication under FDCPA 1692c ( c ), FCRA 1681s-2 ( b ), and Florida Statute 559.72.

II. FORMAL DEMAND FOR DOCUMENTATION To resolve this matter, please provide the following documents within 15 calendar days : - Original lease agreement with my wet signature.

- Move-out inspection report with my wet signature.

- Assignment contract from the original creditor to your agency.

- Forward Flow Agreement outlining the debt portfolio terms.

- Chain of Assignment proving legal authority to collect and report.

III. DEMAND FOR REMEDY As the debt is both time-barred and improperly reported, I hereby demand : - Permanent deletion of all tradelines and references to this account from Equifax, Experian, and TransUnion ; - Full cessation of all collection activity, directly or indirectly ; - Confirmation that no third-party has any authority or claim to this account ; - Immediate compliance with state and federal privacy laws.

IV. NOTICE OF LEGAL LIABILITY Failure to respond within 15 calendar days may result in legal action, regulatory complaints, and financial damages sought pursuant to : - FCRA 1681n and 1681o ; - FDCPA 1692k ; - Florida Consumer Collection Practices Act ( FCCPA ) 559.77.

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