Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This company is not licensed to collect a debt in the state of Louisiana per the nmls consumer access they are not the collector of a debt that start with XXXX XXXX XXXX the moved to XXXX XXXX XXXX then moved to this office but XXXX XXXX XXXX is reporting negative collections on my credit report when I call number listed on XXXX national credit systems states they no longer have my file and they can not access my records and I need to call the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. So if this law office has my file how are you legally reporting information to XXXX and TransUnion and how is TransUnion and XXXX verifying a debt that is no longer being reported to your office how was this debt for XXXX XXXX verified and validated if another collection agency has the same account after reading so many complaints about this law office and XXXX XXXX system I dont understand how an full investigation on their collection tactics and bad business practices by XXXX  XXXX XXXX and the reporting agencies such as XXXX and TransUnion have be investigated for failure to comply with the FCRA requirements and laws Might I added supporting stated a balance of XXXX when I began to dispute the balance as Inaccurate and incomplete which is violation of 15 usc 1681 questioning why is XXXX they sent a document with added a fee on XX/XX/XXXX of XXXX as a collection fee. I also spoke to XXXX XXXX XXXX contact XXXX at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  she supplied me with his email bc she was also confused as where the additional XXXX was added from I sent multiple emails on my concerns and there was no response i later called back and she was very unconcerned and ready to Release the calls when I pointed out the violation of the FCRA laws bc it was time for them To leave for XXXX XXXX weekend instead of attempting to Right what has been done wrong to my rights to a fair and complete and accurate credit report Per the Nmsl consumer access website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX Toll-Free Number : Not provided Fax : XXXX Mailing Adoress : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. GA XXXX Other Trade Names? : None Prior Other Trade Names? : None Prior Legal Names XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
Website : XXXX XXXX XXXX Fiscal Y ear End : XX/XX/XXXX Formed in : Georgia. United States Regulatory Actions 2 : None posted in NMLS. 
Branch Locations? No Branch Locations in NMLS State LIcenses/Registrations ( Displaying b Active of 5 total ) Date Formed.? XX/XX/XXXX Stock Symbol : None Business Structure : California-Dfpi Debt Collection icense Indiana-SOS Collection Agency License Maryland collection Agency LIcense Nevada - FID Foreign Collection Agency Registration Oregon Collection Agency Registration Per the Nmsl consumer access website Cease and desist collections actions reporting to ALL credit reporting agencies and ALL FORMS OF COMMUNICATION AND COLLECTION TATICS as they are not licensed in the state of Louisiana as a collect agency TO COLLECT ON A DEBT. PERMANENT DELETION of the account from all credit reporting agencies IMMEDIATELY being reported as collections for national credit systems you no legal rights to report negative and fraudulent and false information to the credit bureau this is a violation of the FCRA LAWS 15 usc 1692g 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 violations of incomplete inaccurate and false representation of a credit collection Per the Nmsl consumer access website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
NMLS ID : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX brr XXXX XXXX Toll-Free Number : Not provided Fax : XXXX Mailing Adoress : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX Other Trade Names? : None XXXX XXXX XXXX Names? : None Prior Legal Names XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
Website : XXXX XXXX XXXXXXXX Fiscal Y ear End : XX/XX/XXXX Formed in : Georgia. United States Regulatory Actions 2 : None posted in NMLS. 
Branch Locations? No Branch Locations in NMLS State LIcenses/Registrations ( Displaying b Active of 5 total ) Date Formed.? XX/XX/XXXX Stock Symbol : None Business Structure : California-Dfpi Debt Collection icense Indiana-SOS Collection Agency License Maryland collection Agency LIcense Nevada - FID Foreign Collection Agency Registration Oregon Collection Agency Registration

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