Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX NOTICE Request for validation and verification of alleged debt I am a federally protected consumer pursuant to 15 USC 1692a ( 3 ) On ( XX/XX/22 ) I checked my consumer report/credit report regarding alleged debt and saw that your company ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX is reporting an alleged debt on my consumer report ( Transunion ) . I do not agree with the amount and the amount reporting on my credit report and consumer reports. 

Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 USC 1692g ( a ) ( 1 ). 

Under penalty of perjury or a sworn affidavit please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid and lawful. 

Please keep in mind I am not requesting that you send me proof of location information ie my place of abode as proof of verification or validation. I am only requesting the alleged amount of this alleged debt you claim I owe, and how it was calculated. 

Pursuant to 15 USC 1692g ( 5 ) Under penalty of perjury or sworn affidavit please produce or provide the name and address of the original creditor, if different from the current creditor.

Notice, it is a fact pursuant to 15 USC 1692g ( b ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

Notice, it is a fact pursuant to 15 USC 1692b ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in fact violating my consumer rights. See Exhibit 1 If you disagree under penalty of perjury or sworn affidavit, please produce or provide material facts or sufficient evidence to prove your claim is valid and lawful. 

Notice, it is a fact pursuant to 15 USC 1681b ( 2 ) XXXX XXXX XXXX XXXX XXXX  is in fact violating my consumer rights. No written consent or authorization was given to XXXX XXXX XXXX XXXX XXXXXXXX to furnish anything on my consumer report or credit reporting agencies. PLEASE REMOVE OR DELETE THIS ACCOUNT IMMEDIATELY. 

If you disagree under penalty of perjury or sworn affidavit, please produce or provide material facts or sufficient evidence to prove your claim is valid and lawful. 

I am demanding XXXX XXXX XXXX XXXX XXXXXXXX remove or delete this account from my consumer report, ALL credit reporting agencies, and my consumer file. 

Notice failure to comply with law you may be liable for damages pursuant to 15 USC 1692k ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) Thank You XXXX XXXX

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