Consumer complaint received 2025-10-21 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: MI

Complaint narrative:
XXXX XXXX  XXXX XXXX To Whom It May Concern : This letter is to inform you that I formally dispute the validity of the alleged debt you claim I owe, purportedly related to XXXX XXXX. I am demanding full and complete validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and putting you on notice that partial records, billing statements, or computer-generated documents do not meet the legal standard of validation. Let me be very clear : A billing statement is not validation. A printout from your system is not validation. A summary of an account you purchased is not validation. What you must provide, if this debt is legitimate : A copy of the original signed contract or agreement bearing my signature, showing I agreed to the terms of the alleged debt and authorized any interest, fees, or charges. A full chain of title from the original creditor to XXXXXXXX XXXX XXXX XXXX.showing legal ownership, including all assignment/sale agreements not just blanket purchase affidavits. A complete payment and account history from day one, including all charge-offs, interest, and fees not a summary. Your license information to collect debt in my state as required under applicable state law. Proof that proper notice of this debt was ever provided to me, including details on when, how, and where notice was sent. Proof of copies of ALL notices sent to me every letter, billing statement, or communication since acquiring the account. Verification of Reporting including the date you reported it, the furnishers verification method, and evidence that you complied with the FCRA SECTION 623. Until and unless you provide the above, you are not authorized to collect this debt and reporting it to any credit bureau is a violation of federal law under 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1692e. Should you fail to fully validate within 30 days or continue to report this unverifiable debt, I will file complaints with my State Attorney General and pursue legal action against XXXX XXXX  XXXX XXXX.in federal court for violations of the FDCPA and FCRA, seeking all available damages under 15 U.S.C. 1681n, 1681o, and 1692k.

I know my rights. I am not the average consumer who will be intimidated by generic mail or bogus claims. As I stated above, I do not want a billing statement I want account level documentation ONLY. Your company is harming my financial reputation and causing extreme stress in my daily livelihood because I am being denied credit. I have tried to rectify this issue more than once and this is my absolute last chance before I file a claim in federal court. So if you don't want to send what I asked for because you feel you are a debt collector above the law and don't have to abide by ruining the FDCPA I will take this to court and request a jury trial, then I will pick apart your bogus debt in discovery and request the information there where you will be forced to provide what I asked for. I am sick of your company and the gimmicks you pull it running my life and causing XXXX which I have went to my doctor and got medication for and explained to my doctors the stress your company has caused me. I also know your company likes to buy junk debt so make sure that the bill of sale you send me has the full account number and my name clearly stated You are now on notice. 

GOVERN YOURSELVES ACCORDINGLY.

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