Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom this may concern, RE : Inaccurate and Unverified accounts Account name : XXXX XXXX  Account number : XXXX ( partial acct. # ). Violation Status following your investigation : Charge-off Account name : XXXX XXXX Account number : XXXX ( partial acct. # ). Violation Status after investigation : Charge-off Account name : XXXX Account number : XXXX ( partial acct. # ) Violation Status following your investigation : Paid, XXXX balance Account name : XXXX XXXX XXXX Account number : XXXX ( partial acct. # ) Violation Status following your investigation : Charge-off Account name : XXXX XXXX Account number : XXXX ( partial account # ) Violation Status following your investigation : Seriously past due date Account name : XXXX. XXXX, XXXX Account number : XXXX ( partial account # ) Violation Status following your investigation : Seriously past due date Account name : XXXX XXXX XXXX Account number : XXXX ( partial acct. # ). Violation Status following your investigation : Seriously past due date Account name : XXXX XXXX XXXX  Account number : XXXX ( partial acct. # ) Violation Status following your investigation : Seriously past due date I am sending this letter in response to the results of your incomplete investigation. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing these accounts and requesting a validation of debt. ( XXXX XXXX XXXX Sec. XXXX ( b ) ). 

I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : XXXX. State what the money you say I owe is for. 
XXXX. How did you come to determine that amount? 
XXXX. Provide copies of agreements bearing my signature, stating that I agreed to pay what you say I owe. 
XXXX. Show me the proof that you are licensed to collect in my state ; provide your license number. 
XXXX. Provide me with proof that the statute of limitations has not expired. 
XXXX. A valid, legible copy of the agreement stating the debt and interest charges. 
XXXX. How is a closed collection account past due? This is a violation of the FCRA! 
********DELETE THESE ACCOUNTS********** As you know it is against the law to report any information not proven accurate. If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 

Thank you, XXXX 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 non-monetary relief