Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX SSN : * XXXX XXXXXXXX XXXX XXXX  To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Subject : LEGAL DEMAND FOR DELETION Unverified Charge-Off and Repossession ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This is a formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ), UCC Article 9, and federal consumer protection laws for the immediate deletion of the following derogatory accounts currently being reported on my TransUnion credit report : Accounts in Dispute : XXXX XXXX Account # : XXXX Charge-Off {$22000.00} XXXXXXXX XXXX XXXX Account # : XXXX Repossession {$22000.00} Legal Violations Being Committed : 1. FCRA 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) You are required to conduct a reasonable reinvestigation. If the data furnisher can not provide proper validation and original documentation, you must delete the account. Use of e-OSCAR or any automated system is not legally sufficient. 

2. FCRA 15 U.S. Code 1681e ( b ) You are responsible for maintaining maximum possible accuracy. Reporting unverifiable or incomplete information is a direct violation. 

3. UCC 9-210 Request for Accounting I am demanding the complete accounting of this debt, including the security interest, and documentation showing the legal repossession and lawful deficiency process. Absence of this violates commercial law. 

4. FDCPA 15 U.S. Code 1692g ( b ) If the debt was sold or collected by a third-party, I demand written validation. Without it, no entity has legal right to report it.

5. Truth in Lending Act 15 U.S.C. 1601 If this was a consumer credit agreement, I request the original signed contract, terms, and disclosures. 

Documents Required for Legal Verification : Original wet-signed contract Full flow sheet and itemized account transaction history Valid binding agreement or assignment of ownership rights Repossession order, notice of right to cure, and deficiency breakdown ( for XXXXXXXX XXXX  XXXX ) Copy of 1099-C if applicable for charge-off ( XXXX XXXX XXXX Name and title of the individual who verified this data with TransUnion Clear explanation of the verification method used ( not e-OSCAR ) FINAL WARNING : If TransUnion fails to remove these accounts or provide the required documentation within 30 days, I will take the following actions : File formal complaints with the CFPB, FTC, and Iowa Attorney General Pursue civil litigation under : FCRA 1681n Willful noncompliance FCRA 1681o Negligent noncompliance Defamation, invasion of privacy, and emotional/financial damages You are legally obligated to remove any account that is inaccurate, incomplete, or unverifiable. If these accounts are not validated in full, they must be deleted immediately under FCRA 1681i ( a ) ( 5 ) ( A ). 

Sincerely, XXXX 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