Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : Formal Dispute and Cease and Desist Unverified and Unauthorized Collection Accounts Dear Credit Reporting Agency, This letter serves as a formal dispute and cease and desist notice regarding collection accounts appearing on my consumer report that are not mine and of which I have no knowledge. I dispute the accuracy and validity of these accounts pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Uniform Commercial Code ( UCC ) protections governing unauthorized and unlawful financial reporting. 

The following accounts were disputed as unauthorized, unverifiable, and not belonging to me with Experian and were DELETED after a thorough investigation : Furnisher/Collection Agency ; Original Creditor ; Reported Balance ; Date Deleted by XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Deleted/ Removed from Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} - XX/XX/XXXX - Deleted/Removed from Credit ReporXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XX/XX/XXXX - Deleted/Removed from Credit Report XXXX XXXX XXXX - XXXX XXXX XXXX {$280.00} XXXX XX/XX/XXXX - Deleted/Removed from Credit Report XXXX XXXXXXXX XXXXXXXX XXXX XXXX  {$1000.00} XXXX XX/XX/XXXX - Deleted/Removed from Credit Report XXXX XXXX XXXX - XXXX XXXX  - {$210.00} XXXX XX/XX/XXXX XXXX Deleted/Removed from Credit Report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$6800.00} XXXX XX/XX/XXXX - Deleted/Removed from Credit Report 1. Dispute of Unauthorized Collection Accounts Under 18 U.S.C. 8, I owe no lawful debt, and I have no contractual obligation or verified agreement with the alleged collection company ( ies ) reporting this information. These accounts are fraudulent and unverifiable, and I demand an immediate investigation under 15 U.S.C. 1681i ( a ) of the FCRA.

Furthermore, the company furnishing this data has violated my right to privacy under 15 U.S.C. 1681b ( 2 ) by accessing and using my consumer information without permissible purpose. Pursuant to 15 U.S.C. 1681 ( a ) ( 4 ), no entity may lawfully collect, use, or furnish inaccurate consumer information without proper authorization or consent. 

2. Prior Investigation and Deletion by XXXX These same collection accounts were previously disputed with XXXX which conducted a full investigation and determined the accounts to be unverifiable. As a result, they were deleted from my XXXX consumer file. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), once information is deleted or deemed unverifiable by one credit reporting agency, any other agency must remove or suppress the same unverifiable data to maintain reporting accuracy and compliance under the FCRA. 

3. Cease and Desist of Unlawful Reporting and Communications You are hereby placed on notice to cease and desist from reporting, furnishing, or re-inserting any information related to these unverifiable collection accounts. Continuing to publish or communicate false or unverified information constitutes willful noncompliance under 15 U.S.C. 1681n, and negligent noncompliance under 15 U.S.C. 1681o of the FCRA.

Additionally, any debt collector attempting to collect on these disputed accounts without proper verification is in violation of the FDCPA, specifically 15 U.S.C. 1692e, 1692f, and 1692g ( b ), and may also be in breach of XXXX provisions governing unlawful attempts to enforce non-existent obligations.

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