Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Both TransUnion and XXXX  are reporting a collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX  ), dated XX/XX/year>2025 with a balance of {$730.00}. This account is inaccurate, unverified, and improperly placed on my credit reports without sufficient documentation or notice. I have never received any communication or formal validation from XXXX or any third-party agency regarding this alleged debt, yet it was suddenly reported as a collection and is now severely damaging my credit standing. 

This inaccurate tradeline is a direct violation of the Fair Credit Reporting Act. Under 15 U.S.C. 1681e ( b ), both TransUnion and XXXX  are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they furnish. That clearly did not happen here. If either bureau had procedures in place that actually functioned as intended, an unvalidated, unproven, and disputed debt such as this would not be allowed to appear or remain on my credit file. 

I have already submitted disputes to both TransUnion and XXXX  regarding this account, explicitly requesting documentation and validation. In response, I received nothing more than generic responses or claims that the debt was verified with no actual proof, no signed agreement, no original billing details, and no statement from XXXX XXXX XXXX XXXX confirming the legitimacy of the account. Thats not verification. Thats a clear violation of 15 U.S.C. 1681i ( a ), which mandates a real, good-faith reinvestigation of any disputed item. What I received was nothing short of negligence masquerading as compliance.

I should not be forced to carry the burden of this account when no oneneither the furnisher nor the credit bureaushas provided any legitimate evidence that it even belongs to me. Based on the timing and lack of origin documentation, it is highly likely this erroneous entry resulted from flawed data transfer or exposure during a third-party data breach. Regardless of the cause, it is not my responsibility to accept permanent reputational damage over an unsubstantiated and unverified record. 

The emotional and practical fallout from this has been extreme. My credit score has dropped significantly since the appearance of this collection, which has cost me opportunities for refinancing and affordable credit options. Ive had to cancel an auto loan application after being quoted an interest rate that was double what I had qualified for just months earlier. Beyond the financial consequences, the sense of helplessness and injustice is overwhelming. Being penalized for a debt I dont even recognize, with no proper validation or documentation, has caused me enormous XXXX, frustration, and 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