Debt collection -- False statements or representation -- Complaint #16612009
Complaint Overview
Complaint ID: 16612009
Company: Transunion Intermediate Holdings, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Pennsylvania
ZIP Code: 19320
Date Received: 2025-10-15T12:00:00-05:00
Date Sent to Company: 2025-10-15T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Letter to TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX SSXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : Formal Dispute of Inaccurate Collection Account XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to file a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the reporting of a collection account by XXXX XXXX XXXX on my TransUnion credit file. This reporting is inaccurate, incomplete, and unverifiable, violating both the FCRA and FDCPA. XXXX. XXXX XXXX XXXX is not the original creditor. The original creditor listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a debt buyer, XXXX must produce verified documentation establishing a legal assignment and right to collect. To date, no such documentation has been provided. Legal Basis : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) : A debt buyer must show competent proof of assignment. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Debt collectors are subject to the same verification standards under consumer law. 2. Violation of FCRA 611 ( a ) ( 1 ) ( A ) Failure to Reinvestigate. Under 15 U.S.C. 1681i ( a ), the credit reporting agency must reinvestigate and remove unverifiable or inaccurate data. Unless XXXX XXXX XXXX provides authentic evidence ( assignment agreement, account statements, and original signed contract ), TransUnion must delete this entry immediately. XXXX. FDCPA Violations False or Misleading Representation. Per XXXX5 U.S.C. 1692e ( 2 ) ( A ) and 1692e ( 8 ), it is unlawful for a debt collector to report unverified information or misrepresent the legal status of a debt. XXXX XXXX reporting is therefore unlawful. XXXX. No Contractual Relationship. I have no contractual agreement or consent with XXXX XXXX XXXX. As held in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), a collector must have legitimate proof linking it to the consumer and the debt. Action Requested : Under 15 U.S.C. 1681i, I request a complete reinvestigation. Unless XXXX XXXX XXXX can produce verifiable proof of : Original signed agreement, Full account and payment history, Legally binding assignment or bill of sale, then this collection must be deleted entirely from my TransUnion report within 30 days as required by law. Failure to comply will result in formal complaints to the CFPB, FTC, and Pennsylvania Attorney General. Please provide written confirmation of your investigation results and all documentation used for verification. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #16612009 about?
Complaint #16612009 was filed against Transunion Intermediate Holdings, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-10-15T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.