Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
3 Please be apprised that XXXX are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/2021, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, XXXX request for XXXX to provide me with proof and evidence of the debt you alleged I owed. XXXX has completely ignored my validation. Not only have XXXX ignored my prior requests for validation of debt but they continued to report an unverified and disputable debt to the credit bureaus causing damage to my character. XXXX failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30daXXXX mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from all 3 bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I spoken with 5 representives from XXXX on XX/XX/2021 asking for a validation! They all refused on me a validation as well therefore this account must be deleted from my credit profile! Names of the representives from XXXX : XXXX id # XXXX department recovery department XXXX # XXXX department recover dept XXXX  id # XXXX from financial services XXXX id number XXXX XXXX id number XXXX. Your company repsonded back to me via CFPB portal stating you will look further into the issue on XX/XX/2021. At this given point of time I do not wish for the debt to be verified or validated. XXXX had more than enough time to preform a proper investigation ( 30days ) and failed to do so, therefore this account must be removed from my credit profile! Once again a copy of my validation certified receipt accompanies this complaint. Your company is in violation continuing to report this account on my credit profile. Remove this account from my credit profile immediately. I will continue to exercise my consumer 's right via CFPB portal. This is public record. Thank you very much and hope to see fair results

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