Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XX/XX/XXXX Subject : Dispute of Inaccurate Collection Account under FCRA Transunion XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : I am writing to formally dispute the validity and accuracy of the following account appearing on my credit report : Date opened : XX/XX/XXXX Amount {$15000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Credit Bureau ( s ) : Transunion Date opened : XX/XX/XXXX Amount {$3400.00} Original creditor : XXXX XXXX XXXX XXXX : XXXX XXXX Credit Bureau ( XXXX ) : Transunion Date opened : XX/XX/XXXX Amount {$400.00} Original creditor : The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau ( s ) : Transunion Date opened : XX/XX/XXXX Amount {$1000.00} Original creditor : XXXX XXXX XXXX XXXX : XXXX XXXX Credit Bureau ( s ) : Transunion Date opened : XX/XX/XXXX Amount {$1000.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Credit Bureau ( s ) : Transunion This account is being reported inaccurately and may be unverifiable. I am requesting a full reinvestigation into this item, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information. 

Applicable Legal Grounds Under the FCRA and its amendments, I assert my rights as follows : 1. 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Upon receiving notice of a dispute from the consumer, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the information. 
2. 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) If the information is found to be inaccurate, incomplete, or can not be verified, it must be promptly deleted or corrected from my credit file.

3. 15 U.S. Code 1681s-2 ( b ) Furnishers of information ( like debt collectors or creditors ) are required to conduct an investigation, and report results to the credit bureaus when a dispute is received. If the information is found to be inaccurate or can not be verified, it must be corrected or removed. 
4. 15 U.S. Code 1681e ( b ) Consumer reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy of the information they report. 
5. 12 CFR 1022.43 In accordance with this regulation under the FCRA, debt collectors must provide sufficient documentation to verify the debt if requested in a timely manner, especially after a dispute has been submitted. 
6. 15 U.S. Code 1681c ( a ) ( 4 ) Collection accounts may not be reported after more than 7 years plus 180 days from the original delinquency date. Please ensure the date of first delinquency has been accurately applied. 

In accordance with these provisions, I am formally requesting : - A full reinvestigation into the accuracy and validity of this account. 
- A copy of all verification documents used in your investigation. 
- Removal or correction of the account if it can not be fully verified with original documentation. 
- Written confirmation of the outcome of this reinvestigation within 30 days as required by law. 



Failure to comply with these federal requirements may result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX, each of these collections is listed as the original creditor on my credit report. I have never entered into any contractual agreement or direct financial relationship with these entities. As such, I request strict proof of any contractual obligation between myself and these collectors, including but not limited to, a signed agreement or original billing statements.

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