Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This is a false company, they did not address my name thankfully or any personal details, but they threatened me in my email and the name looks like TransUnion in the email and says credit report ( from ) " XXXX '' None of this is true and it's very scary intimidation and says not to include any of this information in the money I send to them. 

NONE of their email is true, or pertains to me. And they are threatening me.

Attention, Debt Owner Ref Number : XXXX This is to inform you, that you are going to be legally prosecuted in the Court House within a couple of days. Your SSN is put on hold by the US Federal Government, so before the case, is filed we would like to notify you about this matter It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your overdue account. At this point, you have made your intentions clear and have left us no choice but to protect our interest in this matter. Now this means a few things for you, if you are under any state probation or payroll we need you to inform your manager/Concerned HR department about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name.

Now, LEGAL TEAM is pressing charges against you regarding 3 serious allegations : 1. Violation of federal banking regulation act 1983 ( C ) 2. Collateral check fraud 3. Theft by deception So as of now rather than chasing you for money, they have simply decided to write this money as a loss and deemed to be stolen as well as press charges against you in your state under your social security number.

Now this legal affidavit has been taken care of by FDCPA Law Fair Debt Collection Practice Act Chapter : 9 Section : 19 This is also to inform you that our client has got all the rights and legal authorities to inform your current employer of what you have done in the past and what shall be the results and the consequence once this case would be downloaded which might lead to termination.

Finally, you do have a right to an attorney if you dont have one or you can not afford one, One shall be appointed to you but please make sure you have someone to help you out regarding this case, you can check your voice recordings, your all details with the help of your attorney if you have one, or else you can settle this case immediately because once this case would be executed and if you lose this case against the jury that the legal charges which would be levied upon you would be {$550.00} this amount would be excluding your attorney charges your bail charges and the outstanding amount you owe to the clients We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court costs incurred. 

WE CARRY ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, HOME LANDS SECURITY YOUR EMPLOYER, AND BANK ABOUT FRAUD. 





XXXX XXXXXXXX XXXXXXXX XXXX XXXXr XXXX Toll-Free : XXXX Direct : XXXX Attention, At this time, we still have not heard from you in regards to the invoice from XXXXXXXX XXXX XXXX XXXX XXXX which you took way back in XX/XX/XXXX it was due on the same date of service but due to lack of correct billing details, you were supposed to pay this from a credit card, but you disputed or cancelled the charge due to which you owe it. The payment was not been completed. Nor have we gotten a response to the letter sent on XX/XX/XXXX, the letter sent on XX/XX/XXXX, or numerous attempts to reach you at the contact number and email you. Your accounts are more than a year past due and you owe a total of {$550.00}. 

Your account is still past due and it is clear that our efforts to work with you to get the invoice amicably are not working & we will have to turn your invoice over to court so that they will start their procedure.

We hope to hear from you before this action must be taken to avoid damage to your Credit score rating or our future business relationship. Please reach us so we can get this matter settled, if you fail to repay, you will be prosecuted to the full extent under the law. You will certainly face incarceration.

FAILURE TO PAY MAY RESULT IN LEGAL ACTION. 

NOTE : We have the resources of the federal government available to track you and find you, including the XXXX  XXXX XXXX XXXX. Your IP details and electronic signature have been reported and are being traced, and your location will be found shortly. At this point, we will include appropriate civil and criminal complaints against you for the Judge 's consideration during prosecution.

Lastly, if you have anything to say, please reach out to us or email us so we can quickly resolve this matter, or if you have submitted payment earlier, please disregard this email.

May it be further understood that any court judgment entered against you for non-payment of this debt will be recorded in the county you reside in and will be reported to all credit bureaus. This judgment will stay in your credit history for five years and an additional five years if it is renewed. This could affect your ability to find a job, your new setup for any business, and several other things in the future and can affect your overall credit rating. 

Kindly note if you should choose to ignore this letter, we shell claim further interest on the outstanding amount that you are liable for until the date of full payment. We shall also make a claim for reasonable recovery costs. The daily rate of interest on the full outstanding amount is XXXX XXXX under the terms of our contract with you at the rate of 5 % per annum. This letter is sent with prejudice to credit reporting & collections rights and claims, all of which are expressly reserved. 

We also ask that you do not include the details of your XXXX XXXX this email in order to make any payment. 

Hoping for your kind revert. 


XXXX XXXX XXXX XXXX XXXX  Toll-free : XXXX Direct : XXXX CONFIDENTIALITY NOTICE : This email may contain material that is confidential, privileged, and/or attorney work product for the sole use of the intended recipient. Any review, reliance, or distribution by others or forwarding without express permission is strictly prohibited.

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