Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Re : Account Ending in XXXX Formal Notice of Dispute, Debt Validation Demand, and Legal Notice of Violations To Whom It May Concern : This letter serves as a formal notice of dispute, request for debt validation under 15 U.S.C. 1692g, and a demand for reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Additionally, I assert violations of the Truth in Lending Act ( TILA ), Fair Debt Collection Practices Act ( FDCPA ), permissible purpose rules under FCRA 1681b, and the Michigan Consumer Protection Act ( MCPA ), MCL 445.251 et seq. and MCL 445.901 et seq. 

Despite prior disputes and multiple requests for investigation and validation, XXXX continues to report this account to the credit reporting agencies without verifying the accuracy or legitimacy of the alleged debt. The XX/XX/XXXX letter provided by your office further confirms that no comprehensive investigation was conducted, and your attempt to justify continued reporting based solely on internally held data is insufficient and unlawful. 

Grounds for Immediate Deletion and Legal Violations : 1. No Permissible Purpose FCRA 1681b You failed to demonstrate a permissible purpose to obtain or report my credit data. The claim that I submitted an online application, without independent verification or physical signature, does not satisfy the burden of proof under FCRA. Your reliance on alleged email and phone number matching is not conclusive and does not fulfill identity authentication obligations under federal and Michigan law. 
2. Failure to Conduct Reasonable Reinvestigation FCRA 1681i Under FCRA, when a consumer disputes the accuracy of a credit item, the furnisher must conduct a reasonable reinvestigation. Merely reiterating internal account records, while refusing to provide external documentation or objective proof, does not constitute a reasonable or lawful reinvestigation. 
3. Failure to Provide Debt Validation FDCPA 1692g You are actively collecting on a debt without having provided a full and complete validation. Your communication lacks a signed contract, full accounting, or proof of lawful obligation. Until proper validation is provided, continued attempts to collect or report this debt violate the FDCPA. 
4. Violation of TILA Disclosure Requirements 15 U.S.C. 1637 and 12 CFR 1026.6 The original account disclosures and finance terms were not provided, nor was any proof of TILA-compliant disclosure included with your response. The account is therefore unenforceable under TILA, and you may not report or collect on it. 
5. Threatening Unlawful Collection FDCPA 1692e ( 5 ) Your letter states that unless I make payment by XX/XX/XXXX, the account may charge off and be subject to further collection efforts. This constitutes a false threat of legal action in violation of the FDCPA, particularly because the account remains in active dispute and you have not produced valid evidence or conducted an investigation. Any threat of collection without validation is deceptive, misleading, and coercive under federal law and the Michigan Consumer Protection Act ( MCL 445.902 ( g ) ). 
6. Violation of Michigan Identity Theft and Privacy Law MCL 445.72 You are reporting and attempting to collect a debt without proving that I authorized the account. This may rise to the level of identity misuse under Michigan law, and you are hereby notified that continued collection without full documentation is a statutory violation subject to civil penalties. 

Formal Demands : Immediately cease all collection activity and cease reporting this account to TransUnion, XXXX, XXXX, and XXXX. 
Delete the tradeline for account ending in XXXX from all consumer credit reports. 
Provide validation of the debt, including : A signed contract or original application bearing my signature, IP address and metadata logs showing location and identity of alleged applicant, Full accounting of charges, credits, and interest pursuant to TILA. 
Provide a certified statement of reinvestigation conducted under FCRA and a sworn affidavit from your compliance team. 

Failure to comply within 15 calendar days of receipt of this notice will result in : 1. A formal complaint to the Consumer Financial Protection Bureau ( CFPB ) ; 2. A complaint to the Michigan Attorney General and Michigan Department of Insurance and Financial Services ( DIFS ) ; 3. Consideration of civil litigation for damages under FCRA 1681n, FDCPA 1692k, and MCL 445.911. 

You are further advised that this letter is to be preserved as evidence of your ongoing noncompliance and potential liability. 

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 non-monetary relief