Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I writing because I pull my credit on XX/XX/XXXX found out about this collection from XXXX XXXX XXXX Account # XXXX Original Creditor : XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They reply to my letter and also sent me something, bearing my signature which I know it is not my signature. This is not my account I never applied or signed a contract with XXXX or anyone with this company. I find out that are doing this to a lot of people. They have a civil lawsuit that I am going to be joining. 
XXXX XXXX Lawsuit Targets Victims Nationwide : here the website about civil case https : XXXX/ Through further investigation, PDH attorneys have discovered that our clients are far from the only victims of this scheme. Dozens of complaints have been filed by other individuals fighting with XXXX, debt collectors, and credit reporting agencies to remove these fraudulent accounts from their credit reports. The victims include both XXXX customers and people who had previously never even heard of XXXX. We believe that the number of people across the country that XXXX employees have included on XXXX accounts without authorization is in the thousands. They are signing people names on contract. I am talking to FCRA attorney about this member and handwriting analysis expert. The FTC and the attorney told me reach out through this complaint with CFPB about the violations of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre. Be aware that I am making a final goodwill attempt to have your clear up this matter deleted from my credit report because of fraudlent actions of XXXX  AND IT WILL INCLUDED XXXX XXXX XXXX.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially. I will be pursuing legal actions against both companies and credit bureaus.

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