Consumer complaint received 2016-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have received your dispute resolution in regards to account number XXXX from a collection with the original creditor XXXX XXXX and now the collection company XXXX XXXX XXXX. I am glad you sent me your additional documents for my review. I have found that you have not answered all of the disputes from my previous letter to you and in fact did not provide the documentation required to satisfy the act under the United States XXXX Fair Debt Collection Practices Act ( FDCPA ) and are set out in XXXX of that act, which has been codified in Title XXXX, Section XXXX of the United States XXXX. 
# 1 I was not provided any notification from XXXX XXXX XXXX that the debt was transferred to them and when it was transferred to them. 
# 2 I was not provided a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. 
# 3 I was not provided with a list of charges that added up to the amount being collected in accordance to what is being reported. 
# 4 I was not provided a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 
# 5 I was not provided with any documents of when the account was sold to XXXX XXXX XXXX no dates, no letter to consumer, but yet you are reporting that you had purchased and open this account with the following dates .... 
XXXX : XXXX XXXX 2016 XXXX : XXXX 2016 TRANSUNION : XXXX XXXX 2016 Not only have I not seen any documentation verifying these dates but you are reporting information that is inaccurate obviously due to the dates being different from XXXX another. 
# 6 On the XXXX report you are reporting the original creditor to be " XXXX XXXX Services. I am not sure how this is possible when you are stating on Transunion and on XXXX that the original creditor is XXXX XXXX. Again you are in clear violation of the FCRA regulations. 
YOU HAVE 20 DAYS TO FROM THE DATE THIS LETTER IS RECEIVED TO PROVIDE PROPER DOCUMENTATION TO VALIDATE THE DISPUTES AND DISCREPENCIES LISTED ON THIS LETTER. IF I DO NOT RECEIVE PROOF OF WHEN THE ACCOUNT WAS SOLD TO YOU, A STATEMENT THAT YOU SENT OUT TO ME FOR THE # XXXX ITEM LISTED, A LIST OF CHARGES ADDING UP TO THE AMOUNT ATTEMPTING TO BE COLLECTED, A LETTER THAT WAS SENT TO ME IN REGARDS TO STATEMENT # XXXX AND ALL INFORMATION BEING REPORTED ACCURATELY TO ALL XXXX BUREAUS WITHIN THIS 20 DAY PERIOD I DEMAND THIS ACCOUNT BE REMOVED FROM TRANSUION, XXXX AND XXXX IMMEDIATELY. 
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