Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After analyzing my consumer reports from TransUnion, XXXX, and XXXX I noticed that there are several companies furnishing negative account information to the consumer reporting agencies without ever contacting me letting me know about the alleged debt. It is clear that these companies are " Debt Parking '' these debts without even attempting to communicate with me. This is a clear violation of my consumer rights under the FDCPA and the FCRA. I also noticed that they've furnished and updated these accounts to the CRA 's multiple times knowing that they've violated my consumer rights by not contacting me. To use this unfair and deceptive collection tactic is a major violation. According to the CFPB, Regulation F ( effective date XX/XX/XXXX ) implements the FDCPA, prescribing Federal rules governing the activities of debt collectors. Even after this rule change ( effective date XX/XX/XXXX ) these companies still chose to intentionally violate my consumer rights. This is a pernicious practice that should be firmly addressed by the CFPB. 
Violation # 1 : According to 12 CFR 1006.18 ( d ) A debt collector must not use any false representations or deceptive means to collect or attempt to collect any debt. These companies clearly violated this rule by " Debt Parking '', which is defined by the FTC as an unfair and deceptive collection practice.

Violation # 2 : According to 12 CFR 1006.30 ( a ) ( 1 ) A debt collector must not furnish to a consumer reporting agency as defined in section 603 ( f ) of the FDCPA 15 USC 1681a ( f ) information about a debt before the debt collector either speaks to the consumer about the debt in person or by phone or places a disclosure in the mail or sends a electronic message to the consumer about the debt and waits for a reasonable period of time to receive a notice of undeliverability. None of the companies listed in this complaint followed this rule. If you look at date the accounts were last updated ( XX/XX/XXXX ), you'll see that these companies have been updating these accounts without any initial attempt to contact me about the debt before " Debt Parking '' these negative accounts on my consumer reports. 
Violation # 3 : According to 12 CFR 1006.34 ( c ) A debt collector must provide a consumer with validation information such as a debt collector communication disclosure, information about the debt, information about consumer protections, and consumer response information. Not following these rules under the FDCPA and FCRA, each of the listed companies attempting to collect an alleged debt has neglected my consumer right to dispute and my right to request validation of the alleged debt. 
Listed are accounts and the companies that have committed these violations : XXXX XXXX, XXXX- Account # XXXX, Account # XXXX Last Date Updated : XX/XX/XXXX Credit Collecton Service- Account XXXX XXXX, Account # XXXX Last Date Updated : XX/XX/XXXX XXXX XXXX, XXXX.- Account # XXXX XXXX Account XXXX XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX Last Date Updated : XX/XX/XXXX XXXX XXXX XXXX, XXXX- Account # XXXX Last Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX- Account # XXXX Last Date Updated : XX/XX/XXXX XXXX XXXX XXXX- Account XXXX XXXX Last Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Last Date Updated : XX/XX/XXXX XXXX XXXX XXXX- Account # XXXX Last Date Updated XXXX XX/XX/XXXX XXXX XXXX- Account # XXXX Last Date Updated : XX/XX/XXXX XXXX XXXXXXXX Account XXXX XXXX Last Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX- Account # XXXX Last Date Updated : XX/XX/XXXX I've clearly pointed out the continuous violations committed by the listed companies and how they have intentionally continued to violate my consumer rights . By using this banned, unfair and deceptive tactic of " Debt Parking '' they have damaged my credit profile tremendously.

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