Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX for Violation of Debt Collection Practices, FCRA Rights, Inaccurate Reporting, and XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally lodge a comprehensive complaint against XXXX XXXX XXXX IN for its multiple violations, including improper debt collection practices, infringement of my rights under the Fair Credit Reporting Act ( FCRA ), inaccurate reporting, and failure to comply with Metro 2 requirements. This collection agency 's actions have led to not only significant distress but also a deep concern about their conduct and methods. 


First and foremost, XXXX XXXX XXXX has persistently engaged in harassing phone calls concerning a debt that I have reason to believe is unverifiable. Despite my repeated requests, the agency has failed to provide any evidence of verification for the debt, and it continues to engage in collection activities without adhering to proper protocols. This relentless harassment has exceeded 30 days, and I find this behavior not only unethical but also a clear violation of my rights under the FCRA. 


Additionally, I have discovered that XXXX XXXX XXXX is reporting inaccurate information about the alleged debt to credit reporting agencies. This inaccurate reporting has led to damage to my credit profile, my credibility when applying for credit, and has already caused unnecessary distress. Furthermore, it has come to my attention that the agency may not be following the Metro 2 compliance laws, which govern the accurate reporting of consumer credit information. This is a direct violation of established industry standards and my rights as a consumer. 


It is equally troubling that despite my repeated requests, XXXX XXXX XXXX IN has not provided any proof of verification for the alleged debt, nor have they disclosed their specific methods of validating the debt in question. This lack of transparency raises serious doubts about their collection practices and adherence to legal requirements. 


In light of the above, I urge the Consumer Financial Protection Bureau to : 1. Investigate XXXX XXXX XXXX XXXX actions, including their improper debt collection practices, FCRA violations, inaccurate reporting, and Metro 2 non-compliance. 

2. Ensure that XXXX XXXX XXXX XXXX  immediately ceases all communication until proper validation of the debt is provided in accordance with the FCRA. 

3. Hold XXXX XXXX XXXX XXXX  accountable for their violations and impose appropriate penalties to deter further misconduct. 

4. Facilitate the rectification of inaccurate reporting and ensure that my credit profile is appropriately corrected. 

5. Request XXXX XXXX XXXX XXXX  to provide specific and verifiable methods of debt validation that adhere to legal standards. 


The process of harassment and misconduct by XXXX XXXX XXXX XXXX  has extended well beyond reasonable limits, causing me significant distress. I am seeking your assistance and intervention to put an end to this indecent treatment and to ensure my rights as a consumer are protected. 


I kindly request that you provide me with updates on your investigation and the actions taken to address this matter. I am committed to seeking justice and resolution in this situation. 


Thank you for your prompt attention to this matter. I anticipate your response within 30 days from the receipt of this letter. 


Sincerely, 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