Consumer complaint received 2017-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX and Transunion has violated the FCRA Section 623 ( a ) ( 3 ) and FDCPA Section 807 ( 8 ) False or misleading representation ( 15USC 1962e ) On XX/XX/2017 I obtained a copy of my Transunion Credit Report as I have alerts on my reports because of fraud only to discover that XXXX XXXX XXXX had illegally inserted collection information on my report in the amount of {$43000.00}. First of all they are not allowed to collect in my state. They called me harassing me over the phone. The debt they listed is already listed by the original lender and therefore they have listed it twice with incorrect dates and incorrect amounts. I have no contract with them and have never given them my personal information i.e. social security number etc. Please see the below information from the FTC, clearly they are still in violation : A Memphis-based debt collector has agreed to stop deceiving and harassing consumers and otherwise violating federal debt collection laws, and will pay a {$1.00} XXXX civil penalty to settle Federal Trade Commission charges, while a debt collection operation headquartered outside XXXX XXXX will pay {$490000.00} as a penalty to settle a separate FTC complaint. " The FTC is committed to protecting consumers from all types of deceptive and harassing debt collection tactics, '' said XXXX Director of the XXXX. XXXX In its complaint against XXXX XXXX XXXX, the FTC charges that the XXXX-based company used unfair and deceptive collection tactics, such as repeatedly calling consumers and accusing them of owing debts that they did not owe, contacting consumers at work while knowing that their employers did not allow the calls, making unauthorized withdrawals from consumers ' bank accounts, and disclosing confidential information about debtors to third parties. The company collects on about a XXXX consumer accounts a year and is charged with violating the FTC Act and the Fair Debt Collection Practices Act ( FDCPA ). Under the proposed order settling the FTC 's charges XXXX is permanently prohibited from engaging in false, deceptive, unfair, and harassing debt collection practices. The order requires the company to address specific problematic conduct alleged in the XXXX complaint -- whenever a consumer disputes the validity or the amount of a debt, XXXX must either close the account and end its collection efforts, or suspend collection, until it has conducted a reasonable investigation and verified that the information about the debt is accurate and complete. The order also restricts situations in which the company can leave voicemails that disclose the alleged debtor 's name and the fact that he or she may owe a debt. The XXXX is grateful for the critical assistance provided by the Tennessee State Attorney General 's Office during the course of its investigation of this matter.

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