Consumer complaint received 2025-04-23 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: LA

Complaint narrative:
this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding an account ending in XXXX XXXX XXXX XXXX XXXX that continues to appear on my credit reports despite XXXX own admission that they can not find or locate any record of me or this obligation. Because the debt is * * unverified * * and * * inaccurate * *, it must be * * deleted with prejudice * * immediately under both the Fair Credit Reporting Act and the Uniform Commercial Code. 

-- - # # # * * 1. FCRA Violations ( 15 U.S.C. 1681 et seq. ) * * - * * 15 U.S.C. 1681i ( a ) * * Upon dispute, credit reporting agencies must conduct a * * reasonable investigation * * and delete any item * * that can not be verified * * within 30 days. 
- * * 15 U.S.C. 1681s-2 ( b ) * * Furnishers ( XXXX ) must notify all bureaus to * * correct or delete * * information if they can not verify its accuracy. 
- * * 15 U.S.C. 1681e ( b ) * * CRAs must maintain * * reasonable procedures to assure maximum possible accuracy. * * Reporting an unverified account is a direct breach. 

Because XXXX has admitted they * * can not locate * * my account, it is legally * * unverifiable * * and must be removed. 


- * * UCC 3-501 ( b ) ( 2 ) * * On demand, the holder of a negotiable instrument ( the promissory note or loan agreement ) must * * produce the original note * * or evidence of its transfer. USAAs inability to locate any record signifies * * non-compliance * * with this requirement. 
- * * UCC 3-305 ( a ) * * An obligation is * * discharged * * when the instrument is not produced or verified. No valid instrument = no enforceable debt. 
- * * UCC 1-308 * * I expressly * * reserve all rights * * under this section. I do not waive any defenses by asserting these violations. 

Because XXXX can not identify me in their records or produce the originating contract, the obligation is effectively * * discharged * * and can not lawfully be reported. 


* * Consumer Harm : * * - Denied financing for a * * home * * and * * automobile * * due to this lingering trade line.

- Ongoing * * credit score damage * *, emotional distress, and lost opportunities.

1. * * Immediate Deletion with Prejudice * * of the XXXX account # XXXX from * * Experian, Equifax, and TransUnion * *. 
2. * * Written confirmation * * from XXXX and each bureau that the account is permanently removed. 
3. * * Monetary compensation * * for the financial and emotional damages caused by this unlawful reporting. 
4. * * CFPB investigation * * into XXXX handling of consumer data and compliance with FCRA and UCC obligations. 

XXXX inability to verify or locate my account violates both my rights under federal credit laws and fundamental principles of commercial code. I respectfully request that the CFPB enforce immediate deletion of this account and ensure I am made whole for the harm suffered.

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