Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute and Demand for Deletion or Correction under FCRA LVNV Funding account # XXXX ( Reported Balance {$1400.00} ; Charge-Off ; Last Reported XX/XX/XXXX ) To the TransUnion Dispute Department XXXX This letter is a formal dispute and demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I dispute the accuracy and validity of the trading line reported by XXXX XXXX, XXXX, as shown in my file : Furnisher : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Reported balance : {$1400.00} Status : Charge-Off Date last reported : XX/XX/XXXX I do NOT owe this debt. I have never entered into any agreement with XXXX Funding, nor have I authorized anyone to assign, sell, or report any such obligation in my name. XXXX XXXX has not produced competent documentary proof of ownership, assignment, or an original signed contract showing my signature. 
Demanded actions effective immediately : 1. Conduct a full, reasonable reinvestigation of this tradeline pursuant to 15 U.S.C. 1681i. As part of that reinvestigation, you must verify the accuracy of every element of the tradeline with the furnisher.

2. Provide me, within the statutory period, copies of all documentation and written verification you obtain from the fur
nisher and all documents in TransUnions file relied upon in your decision, including but not limited to : Complete chain-of-title and assignment documentation showing transfer of the alleged debt from the original creditor to any subsequent holders and to XXXX XXXX ( signed and dated assignments or endorsements ). 
The original contract or agreement that allegedly created my obligation ( showing my signature ). 
Full account history from the original creditor, including payment history, charge-off documentation, and evidence of any sale or purchase agreement. 
Any documents XXXX relied upon when furnishing this account to you. 
XXXX. If XXXX XXXX or any furnisher can not produce competent, written, documentary evidence establishing LVNVs ownership/assignment and the validity of the debt, delete the tradeline in its entirety from my TransUnion credit file and send deletion notices to any other consumer reporting agencies to which you furnished the information, per 15 U.S.C. 1681i and 1681s-2.

4. Do not re-age, alter, or otherwise manipulate dates, balances, or status in an attempt to make any disputed information appear more current or more collectible. Any attempt to re-age or otherwise change the date of last activity or date of last payment without valid, documented support shall be treated as an impermissible and inaccurate reporting practice. If TransUnion becomes aware of any change in reporting by XXXX or any successor, provide me a written explanation and copies of the supporting documentation. 
XXXX. Preserve all records and evidence related to this account and this dispute, including internal notes, communications, emails, electronic logs, metadata, and any communications between TransUnion and XXXX XXXX or any third parties. This preservation obligation is ongoing. 
XXXX. Provide written confirmation to me of the results of your investigation and any action taken within 30 days of your receipt of this letter ( or within the time period required by the FCRA ). If you verify the account, provide copies of the actual documents used to verify it. 
Be advised that failure to comply with the FCRAs reinvestigation and reporting requirements may subject TransUnion and any furnisher to statutory and actual damages, including costs and attorneys fees ( 15 U.S.C. 1681n, 1681o ). I will not hesitate to pursue all remedies available to me, including filing complaints with the Consumer Financial Protection Bureau and the Georgia Attorney General and pursuing private legal action. 
Please communicate with me in writing at the address above. I expect written confirmation of your receipt of this dispute and the actions you take. 
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