Product: Credit reporting or other personal consumer reports

On or around XX/XX/2024 The Consumer who is XXXX XXXX did file a complaint with the CFPB in regards to the account that is currently reported to and by TransUnion from XXXX XXXX XXXX XXXX with the account number XXXX The reporting of this account is in violation of The Consumer 's Federally protected rights- -15 U.S. Code 1692c XXXX Communication in connection with debt collection ( XXXX  ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX  ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX  ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( XXXX  ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

( XXXX ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( XXXX  ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( XXXX  ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX  ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1692e - False or misleading representations ( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 
( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 
( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 

15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( XXXX ) of this title that information regarding a consumer who [ XXXX ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. 

15 U.S. Code 1681a - Definitions ; rules of construction ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The aforementioned is a small list of violations that have been committed by both Transunion and XXXX XXXX XXXX. The Consumer has noticed The Company that is XXXX XXXX that he has NO OBLIGATION TO THEM. And thus is NOT PAYING THEM The Company Mentioned that this account has been charged off. The COnsumer has filed 1099-c with the IRS for has been accepted TRANSUNION is now being and has previously been notified of these facts and has still not conducted the proper investigations in order to accurately report on The Consumers Consumer Report. 

Transunion NOW HAS 15 DAYS LEFT TO RESPOND TO THE COMPLAINT WITH A PROPER INVESTIGATION and VALIDATION Of THIS ACCOUNT ONLY ORIGINAL COPIES OF ANY AGREEMENT BETWEEN THE CONSUMER AND XXXX XXXX XXXX XXXX will be acknowledged.