Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute the inaccurate, false, and unauthorized Collections entry on my credit report, which is being reported by XXXX XXXX XXXX, with XXXX XXXX XXXX XXXX known as " XXXX '' serving as the Servicer for the account. I hereby request a thorough re-investigation of this matter based on the following concerns : Lack of Valid Validation of Debt : XXXX has repeatedly failed to provide any valid verification of debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Despite my previous requests for a contractual agreement containing my full signature and matching my social security number, XXXX has not produced the necessary documentation to establish the legitimacy of the debt. 


Disputed Origin of the Account : XXXX alleges that the Collections status is from an account that originated on XX/XX/XXXX, with XXXX XXXX XXXX, XXXX, and further claims the last payment was received on XX/XX/XXXX, for {$80.00}, with the account being charged off on XX/XX/XXXX, with a balance of {$2100.00}. I dispute the validity of this account 's origin with XXXX XXXX XXXX, XXXX, as I have never had any creditor relationship with XXXX XXXX XXXX, XXXX. through a contractual agreement executed with my full signature and matching my social security number. This constitutes a violation of the FDCPA, as the burden of proof lies with XXXX to demonstrate the existence of a valid debt. 


Failure to Produce Assignment Transfer of Debt : XXXX has not provided any verification of debt through an Assignment Transfer of Debt, as required by the FDCPA. This documentation is essential to validate the ownership and legitimacy of the collections account. The absence of such documentation further raises doubts about the legality and accuracy of the collections entry. 


XXXX 's response has been inadequate and has not fulfilled the legal requirements for verification of debt, as outlined by the FDCPA. Instead, XXXX has provided a false billing statement and terms and conditions, which do not constitute a valid contractual agreement under the FDCPA. This action has resulted in an inaccurate and misleading representation of my credit history with TransUnion. 


I demand that TransUnion initiate a comprehensive re-investigation into the accuracy and legitimacy of the collections entry reported by XXXX XXXX XXXX, taking into account the requirements set forth by the FDCPA. I urge TransUnion to verify the existence of a valid contractual agreement, the permissible purpose for accessing my credit information, and the proper documentation regarding any Assignment Transfer of Debt, as mandated by the FDCPA. 


Furthermore, I request that TransUnion provide me with a written response regarding the results of the re-investigation and any actions taken to address this dispute, specifically addressing the violations of the FDCPA. Additionally, I expect to receive an updated copy of my credit report reflecting the removal of the erroneous collections entry if found to be invalid or unverifiable. 


Your immediate attention to this matter is greatly appreciated. I believe that resolving this dispute in accordance with the law is essential, and I kindly request transparency throughout the re-investigation process, in compliance with the FDCPA.

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