Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
I am filing this complaint against several accounts being reported on my TransUnion credit report that are inaccurate, unverifiable, and damaging to my credit profile. Despite never receiving validation or proper documentation for these accounts, they are still being reported, which violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The following accounts are in question : XXXX  | Acct # : XXXXXXXX XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$2200.00} | Status : Collection XXXX XXXX XXXX XXXX | Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance Owed : {$3500.00} | Status : Collection * * I have no knowledge of many of these debts, and I have not received any debt validation letters, billing statements, or collection notices from the original creditors or the collection agencies. According to FDCPA 809, I am entitled to receive a written notice of the debt and a chance to request validation. I was not given this opportunity. 

For example, XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX appeared on my credit report without any communication or notification from the creditor. I was never told about this account, and to this day, I have not received any documentation proving I owe this amount. This is a violation of FCRA 1681i, which requires reinvestigation and proper verification of disputed items. 

XXXX XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX and another entry from the same agency ( opened XX/XX/XXXX ) appear to be duplicates or re-aged versions of the same debt. This re-aging practice, used to keep a debt on my report longer than allowed, is in violation of FCRA 1681c. Moreover, reporting the same debt more than once with different balances and open dates is misleading and violates FCRA 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy. 

XXXX ( Acct # : XXXX ) is listed twice with the same account number, same open date, and different balances {$200.00} and {$270.00}. These appear to be duplicates or errors. Ive never received anything from this company and have no relationship with them. This duplicate reporting is causing unnecessary harm and is both inaccurate and deceptive under FCRA 1681e ( b ) and FDCPA 807.

Lastly, XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a large collection of {$3500.00}, is completely unfamiliar. I was never contacted about this debt before it appeared on my credit report, and I have received no validation or supporting documentation. Reporting such a large unverified collection without any legal proof is in violation of FCRA 1681b and FDCPA 809 ( a ). 

All of these accounts were added to my credit report without validation, proper notice, or any documentation. I have disputed them with TransUnion and have yet to receive any meaningful response or verification. These reporting practices are causing serious damage to my creditworthiness and emotional distress. 

Requested Resolution : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and assist in the removal of all the above-mentioned accounts from my TransUnion credit report. I want a full investigation and written proof from each data furnisher to verify the debts. If they can not provide legal validation such as signed contracts, billing statements, and debt assignment documents, the accounts should be permanently deleted. 

I also request that TransUnion be held accountable for allowing these unverifiable, duplicated, and inaccurate items to remain on my credit report in clear violation of federal law.

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 explanation