Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX\n\nDate: XXXX\n\nTo  Transunion\n\nI am writing to formally dispute several accounts currently reporting on my consumer credit file. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act (15 U.S.C. 1681).\n\nAfter reviewing my credit report, I have identified accounts that contain inaccurate, incomplete, inconsistent, or unverifiable information. I am requesting a full investigation and validation of these accounts. If the information cannot be verified as accurate and complete, it must be corrected or deleted from my credit file.\n\n---\n\n### Accounts in Dispute\n\n**Inaccurate balance or payment reporting**\n\n* XXXX XXXX   Account ending XXXX (Balance XXXX)\n* XXXX XXXX  Account ending XXXX (Balance XXXX, monthly payment not reported)\n* XXXX XXXX Auto  Account ending XXXX (Balance XXXX with XXXX monthly payment showing)\n* XXXX XXXX  Account ending XXXX  (Balance XXXX, payment information missing)\n* XXXX XXXX XXXX  Account ending XXXX (Balance XXXX)\n* XXXX XXXX XXXX   Account ending XXXX  (Balance XXXX)\n* XXXX XXXX XXXX  Account ending XXXX  (Balance XXXX)\n* XXXX XXXX XXXX  Account ending XXXX  (Balance XXXX)\n* XXXX XXXX   Account ending XXXX  (Balance XXXX)\n* XXXX XXXX  Account ending XXXX  (Balance XXXX)\n* XXXX XXXX  Account ending XXXX (Balance XXXX)\n* XXXX XXXX   Account ending XXXX  (Balance XXXX)\n\n**Accounts reporting with questionable or unverifiable status**\n\n* XXXX XXXX XXXX  Account ending XXXX  (Showing XXXX  balance but remains reported)\n* XXXX XXXX XXXX  Account ending XXXX  (Balance XXXX)\n* XXXX XXXX   Account ending XXXX (Balance XXXX with XXXX payment)\n* XXXX XXXX XXXX   Account ending XXXX  (XXXX  balance account remaining on file)\n\n**Collection accounts lacking proper validation**\n\n* XXXX XXXX XXXX  Account ending XXXX (XXXX)\n* XXXX XXXX XXXX XXXX  Account ending XXXX  (XXXX\n* XXXX XXXX XXXX  Accounts ending XXXX  (XXXX), XXXX  (XXXX), and XXXX  (XXXX)\n\n---\n\n### Basis for Dispute\n\nThese accounts contain one or more of the following issues:\n\n* Inaccurate balances or payment status\n* Missing required data fields\n* Inconsistent reporting across accounts\n* Failure to properly verify ownership, payment history, or account status\n* Reporting that does not meet FCRA accuracy and completeness standards\n\nUnder the FCRA, you are required to:\n\n* Conduct a reasonable investigation\n* Verify the accuracy of each disputed account with the furnisher\n* Delete or correct any information that cannot be verified\n\n---\n\n### Requested Action\n\nPlease complete your investigation within the required time frame and provide me with:\n\n* Written confirmation of the results\n* An updated copy of my credit report\n* Documentation verifying any account you determine to be accurate\n\nIf any disputed information cannot be fully verified, I request its immediate deletion.\n\nThank you for your prompt attention to this matter.\n\nSincerely,\nXXXX 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