Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
* * Product : * * Credit reporting * * Issue : * * Incorrect/inaccurate information on credit report / improper reporting by furnisher or collector * * Company : * * * National XXXX XXXX XXXX XXXXXXXX XXXX collector ) XXXX XXXX XXXX XXXX XXXX XXXX ( original furnisher ) * XXXX XXXX TransUnion XXXX XXXX  ( credit bureaus, as applicable ) -- - # # * * Complaint Summary ( with Legal Basis ) * * I am disputing a * * false collection account * * on my credit report. The debt is for a Nevada apartment lease that my * * former employer ( XXXX XXXX XXXX XXXX XXXXXXXX ) * * contractually agreed to * * assume * *, per a signed * * Separation Agreement * *. The company promised in writing to cover the lease, and thus I should not be held personally liable. 

However, * * XXXX XXXX XXXX ( XXXX ) * * has reported this debt to the credit bureaus XXXX and XXXX XXXX XXXX has not corrected or retracted that reporting even after I disputed the account. The information is factually and legally inaccurate. This violates my rights under the * * Fair Credit Reporting Act ( FCRA ) * * because : 1. * * Duty to Correct Inaccurate Information : * * Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher must not furnish information to a credit reporting agency if it knows or has reasonable cause to believe that the information is inaccurate. ( [ XXXX XXXX XXXX XXXX XXXX ] [ 1 ] ) 2. * * Duty to Reasonably Investigate Disputes : * * When a consumer disputes information, furnishers have a duty to conduct a * * reasonable investigation * *. 
3. * * Legal vs. Factual Disputes : * * The XXXX XXXX XXXX in a recent case ) explicitly held that a furnisher must investigate disputes even if they involve * * legal issues * *, not just factual ones as long as the dispute is objectively and readily verifiable. ( [ XXXX XXXX ] [ XXXX ] ) XXXX. * * Precedent for Furnisher Liability : * * In * XXXX XXXX XXXXXXXX XXXX XXXXXXXX *, the XXXX XXXX found liability where the furnisher kept reporting a debt that had been settled and for which there was clear documentation. ( [ XXXX XXXX XXXX ] [ 3 ] ) 5. * * Accountability for Furnishers : * * There are enforcement actions ( FTC, CFPB ) when debt collectors/ furnishers lack proper dispute-resolution procedures. For example, the FTC settled with a debt collector for failing to investigate and notify consumers properly after disputes under FCRA. ( [ Federal Trade Commission ] [ 4 ] ) 6. * * Consumer Harm : * * Under FCRA, consumers can claim damages ( negligent or willful ) if furnishers fail to reasonably investigate and correct erroneous information. ( [ Association of Corporate Counsel ] [ 5 ] ) 7. * * Burden of Verifiability : * * Courts have held that not all disputes require deep legal interpretation. If the inaccuracy is objectively and readily verifiable ( for example, lease records showing who is liable ), furnishers must act. ( [ XXXX XXXX ] [ XXXX ] ) In my case, I have provided the Separation Agreement and relevant correspondence showing that XXXX XXXX XXXX assumed lease liability, but the furnisher / collector did not correct the information after being notified. This ongoing reporting is harming my credit, and they have not carried out a proper FCRA-mandated investigation or removed the item. 

-- - # # * * What I Want the CFPB to Do * * 1. * * XXXX XXXXXXXX XXXX XXXX  * * to : * Delete the inaccurate tradeline / collection account from all credit bureaus. 
* Provide the documentation they ( claimed to ) rely on when reporting ( or verify none exists ). 
* Confirm in writing this removal / correction. 

XXXX. * * Require XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to : * Honour the Separation Agreement by acknowledging in writing that they assumed the lease and confirming they will not hold me personally responsible. 
* Retract the reporting instruction to any credit bureaus or collection agencies. 
* Provide written confirmation of send / retraction to credit bureaus. 

XXXX. * * Credit Bureaus ( XXXX  / TransUnion, etc. ) * * to : * Investigate the dispute under FCRA 1681i, giving full weight to the Separation Agreement and related documents. 
* Remove or correct the tradeline as necessary. 
* Provide me with the results of their reinvestigation and a corrected credit report showing removal. 

-- - # # * * Supporting Documents to Upload * * * Copy of * * Separation Agreement * * ( pages where XXXX XXXX XXXX agrees to assume the lease ). 
* Email / correspondence from XXXX XXXX XXXX or counsel confirming lease assumption. 
* Credit report screenshot / printout showing the XXXX collection. 


- # # * * Legal Risk to Furnisher / Collector * * * Under FCRA, failure to investigate or correct inaccurate information can lead to * * negligent or willful liability * *, including * * statutory damages * *, * * actual damages * *, and * * attorneys fees * *. 
* The XXXX XXXX recent ruling ( cited above ) makes clear that legal disputes ( like a separation agreement obligation ) do not automatically shield furnishers from their investigation duty. ( [ XXXX XXXX ] [ XXXX ] ) * Regulatory bodies ( CFPB, FTC ) have imposed sanctions where companies lacked proper dispute-handling policies. ( [ Federal Trade Commission ] [ 4 ] )

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