Consumer complaint received 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I, XXXX XXXX, ( a natural person ) was issued a false debt. I am submitting this complaint on my own behalf to protect and enforce my consumer rights. I am making this complaint regarding the account listed as XXXX XXXX XXXX in the amount of {$6900.00} on my consumer report listed with XXXX and/or TRANSUNION. I do not owe such debt and this is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. 

I called XXXX XXXX XXXX ( XXXX ) on or around XX/XX/2021 requesting that I be provided with validation to substantiate XXXX XXXX XXXX ' claim of an alleged debt. I spoke with XXXX several times requesting an original contract with my wet ink signature providing documentary evidence that a legal contract exists between myself and this privately held entity named XXXX XXXX XXXX. I left over 7 messages for a manager with XXXX XXXX XXXX and received no responses. I have no contractual obligation to this company or this false claim. Again, this is a violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. Please see exhibits for violations. 

I informed XXXX via U.S. Postal Mail that if the company could not validate the alleged debt by submitting to me an original contract with my wet ink signature, that I demand removal of the account. XXXX has not responded to any of my calls, emails or postal mail. I am now demanding CFPB pursue getting the account deleted from all records. Please see exhibits for documentary evidence of the packages be delivered. 

I informed XXXX and/or TRANSUNION via U.S. Postal Mail on multiple occasions regarding the false debt. I informed them of all of the facts and affirmed that XXXX XXXX XXXX is incapable of providing the contract as stated. XXXX and/or TRANSUNION continues to willfully keep the false debt listed on my credit report. XXXX and/or TRANSUNION are unable to validate the debt. I sent XXXX and/or TRANSUNION a cease and desist, FTC Fraud Affidavit as well as the complaint filed with the FTC. I demanded removal of the account with XXXX. Neither company have responded informing me of the deletion. Again, this is a violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. 

This is affecting my life I am undergoing extreme stress and emotional damage due to this nightmare. It is affecting my personal and professional life. I am unable to operate my affairs properly with this false debt on my consumer report. I deserve justice for the trouble and harm this company is causing me by being complicit in violating my federal rights. 

XXXX and/or TRANSUNION continues to claim they need authorization from me to continue with an investigation. I am authorizing XXXX and/or TRANSUNION to address this matter for the sole purpose of removal of the alleged debt listed by XXXX XXXX XXXX on my consumer report. I authorize and direct any consumer reporting agency to furnish a copy of my consumer report to the CFPB for the purpose of responding to and investigating my consumer complaint. 

DISCLAIMER : XXXX continues to avoid addressing the ongoing issue by closing the complaint stating that it does not recognize me as a customer. I attached screenshots of my consumer reports to prove that XXXX is providing this false and misleading debt listed under XXXX XXXX XXXX to third parties.

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