Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
FTC report # XXXX These accounts are a direct violation of consumer privacy pursuant to XXXX. XXXX last reported on XX/XX/XXXX, opened on XX/XX/XXXX reported balance of XXXX remarks listed on the account state the following, " Charged off as bad debt, Account information disputed by consumer, meets FCRA requirements '' how is this possible when there was never a contract shown to me with a two party signature...?

pursuant to 1692g - I want to know the method of verifications used to validate this debt. if no validation can be provided then please delete this item immediately!! 

2. XXXX XXXX XXXX XXXX opened on : XX/XX/XXXX last reported on : XX/XX/XXXX balance of : {$2300.00} remarks : Charged off as bad debt ; Dispute resolved; reported by grantor comments : pursuant to 1692g - I want to know the method of verifications used to validate this debt. if no validation can be provided then please delete this item immediately!! 

3. XXXX XXXX opened on : XX/XX/XXXX last reported on : XX/XX/XXXX remarks : Charged off as bad debt ; Canceled by credit grantor balance of : {$1900.00} comments : pursuant to 1692g - I want to know the method of verifications used to validate this debt. if no validation can be provided then please delete this item immediately!! 

4. XXXX XXXXXXXX XXXX  opened on : XX/XX/XXXX last reported on : XX/XX/XXXX balance of : {$1000.00} remarks : Charged off as bad debt : Account closed by consumer comments : pursuant to 1692g - I want to know the method of verifications used to validate this debt. if no validation can be provided then please delete this item immediately!! 


XXXX. XXXX opened on : XX/XX/XXXX last reported on : XX/XX/XXXX balance of : {$990.00} remarks : Charged off as bad debt ; Profit and loss write-off comments : pursuant to 1692g - I want to know the method of verifications used to validate this debt. if no validation can be provided then please delete this item immediately!! 


XXXX. XXXX XXXX opened on : XX/XX/XXXX last reported on : XX/XX/XXXX balance of : {$710.00} remarks : Charged off as bad debt ; Dispute resolved; reported by grantor comments : pursuant to 1692g - I want to know the method of verifications used to validate this debt. if no validation can be provided then please delete this item immediately!! 


7. XXXX XXXX XXXX XXXX opened on : XX/XX/XXXX last reported on : XX/XX/XXXX balance of : {$19000.00} remarks : Charged off as bad debt Dispute resolved; reported by grantor comments : pursuant to 1692g - I want to know the method of verifications used to validate this debt. if no validation can be provided then please delete this item immediately!! 
who is the original creditor? 


8. XXXX XXXX XXXX opened on : XX/XX/XXXX last reported on : XX/XX/XXXX balance of : {$3800.00} remarks : Charged off as bad debt : Profit and loss write-off comments : pursuant to 1692g - I want to know the method of verifications used to validate this debt. if no validation can be provided then please delete this item immediately!! 

9. XXXX XXXX opened on : XX/XX/XXXX last reported on : XX/XX/XXXX balance of : {$3300.00} remarks : Dispute resolved; customer disagrees comments : pursuant to 1692g - I want to know the method of verifications used to validate this debt. if no validation can be provided then please delete this item immediately!! 
the natural person, and federally protected consumer pursuant to 18 USC 242 - deprivation of rights under the color of law. credit is my right. this report is straight up violating federal laws for the public to see! disregarding any right to privacy that I have ; I am taking the vital role over my consumer credit profile to establish what is and what is not! 

10.XXXX XXXX XXXX opened on : last reported on : balance of : remarks : comments : pursuant to 1692g - I want to know the method of verifications used to validate this debt. if no validation can be provided then please delete this item immediately!! 

11. XXXX XXXX  opened on : last reported on : balance of : remarks : comments : pursuant to 15 USC 1666b a creditor can not treat a payment on a credit card account under an open end consumer credit as late as any purpose I the natural persona na federally protected consumer never gave TRANSUNION or XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of the FCRA and 15 USC 1681b the late payments on this account are XX/XX/XXXX, XX/XX/XXXX, these reporting of late payments are a direct violation of my consumer privacy and also, put TRANSUNION right in line for civil liabilities. 


12. XXXX XXXXXXXX XXXXXXXX  opened on : XX/XX/XXXX last reported on : XX/XX/XXXX balance of : {$1100.00} remarks : comments : pursuant to 15 USC 1666b a creditor can not treat a payment on a credit card account under an open end consumer credit as late as any purpose I the natural persona na federally protected consumer never gave TRANSUNION or XXXX XXXX  any written instruction to furnish any information on my consumer report which is a violation of the FCRA and 15 USC 1681b I actually want this account removed from my transunion credit report. 
this is on top of all the letters I have already sent TRANSUNION via the mails.

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