Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to express my utter disbelief and profound anger regarding the flagrant misrepresentation of debt on my credit report, specifically related to an account allegedly owned by XXXX XXXX XXXX. To add insult to injury, I have received documentation from the original creditor, which unequivocally states that the account has been paid off. This unambiguous proof exposes the extent of the misinformation and manipulation of information present on my credit report. 
The documentation I received from XXXX XXXX XXXX is supposed to validate the debt, yet it shockingly reveals that the contract associated with the account was opened on XX/XX/2017, with a balance of {$11000.00}. However, upon careful examination, it becomes glaringly evident that the said contract is, in fact, owned by XXXX XXXX XXXX. This deliberate distortion of facts is not only a grave violation of ethical standards but also an affront to my rights as a consumer to have accurate and transparent information reflected on my credit report. 
I have tirelessly strived to uphold a positive credit history, and your failure to ensure accurate reporting undermines my efforts and compromises my financial standing. I demand immediate action on your part to rectify this egregious error. The account falsely attributed to XXXX XXXX XXXX must be promptly removed from my credit report. I will not tolerate any further delays, excuses, or attempts to shift responsibility for this reprehensible act of misinformation. 
I remind you of your legal obligation under the Fair Credit Reporting Act ( FCRA ) to guarantee the accuracy and integrity of the information contained in credit reports. This encompasses the prompt investigation of disputes and the correction of any errors or misrepresentations. Your failure to comply not only constitutes a flagrant violation of the FCRA but also demonstrates a complete disregard for consumer rights and fair reporting practices. 
Attached herewith is the documentation provided by XXXX XXXX XXXX, which unequivocally illustrates the misrepresentation and erroneous reporting. I expect an immediate and thorough review of this evidence, followed by swift action to rectify this abhorrent situation. 
Furthermore, I demand written confirmation of the removal of this inaccurate account from my credit report within 30days from the receipt of this letter. Failure to comply with this request will leave me with no choice but to pursue all available legal remedies to ensure my rights are upheld and to seek appropriate damages for the severe harm caused by your astonishing negligence. 
I trust that you comprehend the gravity of this matter and the potential consequences of your continued inaction. I demand an expeditious resolution to this dispute, and I will not hesitate to escalate this matter to the highest authorities if necessary. This represents your final opportunity to rectify this situation and demonstrate your commitment to fair and accurate reporting. I expect nothing less than immediate action and a comprehensive response addressing each of the concerns raised in this letter. 
This matter requires your utmost attention and urgency. The severity of this situation can not be overstated, and I anticipate a swift and satisfactory resolution. 
Sincerely,

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