Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Subject : Formal Dispute of XXXX XXXX XXXX Dear Credit Bureau, and XXXX. XXXX, XXXX. 

I am writing to formally dispute the inaccurate and misleading information being reported on my credit file by XXXX. XXXX, XXXX. This dispute is being made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. The inaccurate reporting has caused me financial harm and is preventing me from obtaining necessary credit and other essential financial services.

Inaccuracies in Reporting : 1.Conflicting Creditor Information ( FCRA Violation : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) TransUnion reports XXXXXXXX XXXX as the original creditor, while XXXX lists XXXX XXXX as the original creditor for the same account. 
This inconsistency is a violation of the FCRA, which mandates accurate reporting of account details. 
2.Incorrect Open Date ( FCRA Violation : 15 U.S.C. 1681e ( b ) ) XXXX reports the account opened on XX/XX/year>, which is impossible as this date is in the future. 
The false reporting of an open date violates the FCRAs requirement for reasonable procedures to ensure accuracy. 
3.Incorrect Account Ownership ( FDCPA Violation : 15 U.S.C. 1692e ( 2 ) ( A ) ) If XXXX. XXXX is the original creditor, as claimed by TransUnion, then they can not legally report themselves as a third-party debt collector on XXXX. 
Misrepresenting the legal status of the debt is a violation under the FDCPA. 
4.Failure to Provide Validation of Debt ( FDCPA Violation : 15 U.S.C. 1692g ( b ) ) I have not received proper validation of this debt. According to the FDCPA, debt collectors must cease all collection activity until the debt is properly validated.

Continuing to report this debt without providing proper validation violates federal law.

5.Reporting Inaccurate Information for Collection Purposes ( FCRA Violation : 15 U.S.C. 1681s-2 ( b ) ) Credit furnishers are required to investigate and correct errors when notified of a dispute.

If you continue to report this debt without correction, you are in violation of federal law and may be held liable for damages.

Legal Consequences & Next Steps Pursuant to 15 U.S.C. 1681n and 1681o, I am entitled to statutory and actual damages due to these violations. If this matter is not resolved within 30 days, I will be forced to escalate the matter through legal channels, which may include : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ).

Pursuing legal action for willful noncompliance under 15 U.S.C. 1681n. 
Seeking punitive damages for failure to comply with credit reporting laws. 

Request for Immediate Action I am requesting the immediate deletion of this inaccurate information from my credit report due to the violations cited above. Please conduct an investigation and provide written confirmation of the actions taken within 30 days as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Failure to comply with my request will result in further legal action. I expect full adherence to federal credit reporting laws and the immediate removal of this inaccurate debt from my records. 

Sincerely, 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