Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Subject : Formal Complaint Inaccurate Credit Reporting, Unauthorized Inquiries, and Failure to Validate Debts To Whom It May Concern, I am submitting this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) related to inaccurate, incomplete, and unverifiable information being reported on my TransUnion credit report dated XX/XX/XXXX. These reporting issues have caused significant harm, including denial of housing and financial hardship. XXXX. XXXX XXXX XXXX / XXXX XXXX XXXX ( Multiple Accounts ) The following collection accounts are reporting on my credit file : Balances approximately : {$760.00}, {$470.00}, {$470.00}, and {$780.00} These accounts have not been properly validated. Despite prior disputes, they continue to be reported as verified without providing sufficient documentation. I have not received : * A signed contract with the original creditor * A complete chain of assignment * Proof of legal ownership of the debt * An itemized accounting of the balance This is a violation of FDCPA XXXX and FCRA XXXX ( b ). Requested Resolution : * Immediate deletion of all XXXX XXXX XXXX accounts * Cease all collection activity * Written confirmation of deletion XXXX. CHARGE-OFF ACCOUNTS INACCURATE REPORTING The following accounts are reporting as charge-offs : Opportunity Financial approx. {$2600.00} XXXX/ XXXX approx. {$580.00} XXXX XXXX XXXX ( XXXX ) approx. {$2000.00} These accounts are reporting ongoing derogatory activity and inconsistent payment histories. This violates FCRA XXXX ( a ), which requires accurate and complete reporting. Requested Resolution : * Full investigation of each account * Correction or deletion of inaccurate information * Removal of any improperly reported late payments XXXX. ACCOUNTS INCLUDED IN XXXX XXXX XXXX My XXXX XXXX XXXX was XXXX on XX/XX/XXXX. Accounts included in XXXX are continuing to report : * Late payments after discharge * Ongoing negative activity Accounts included in XXXX must report a {$0.00} balance and Included in XXXX only. This violates FCRA XXXX ( b ) and XXXX XXXX. XXXX. Requested Resolution : * Immediate correction or deletion of all affected accounts * Removal of all post-discharge late payments XXXX. COLLECTION ACCOUNT XXXX XXXX XXXX Balance approximately {$210.00} This account is reported without sufficient validation. Requested Resolution : * Provide full validation or delete the account XXXX. HARD INQUIRIES UNAUTHORIZED OR UNVERIFIED There are hard inquiries on my credit report that I do not recognize or authorize. Under FCRA XXXX, all inquiries must have a permissible purpose. Requested Resolution : * Provide proof of permissible purpose for each inquiry * Remove any unauthorized or unverifiable inquiries FINAL REQUEST I am requesting : XXXX. Deletion of all XXXX XXXX XXXX accounts XXXX. Correction or deletion of inaccurate charge-off accounts XXXX. Correction or deletion of accounts improperly reporting after bankruptcy XXXX. Validation or deletion of all collection accounts XXXX. Removal of unauthorized hard inquiries XXXX. Written confirmation of all corrections If these matters are not resolved, I am prepared to pursue additional remedies available under federal law. Please investigate and respond within the timeframe required by law. 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