Consumer complaint received 2016-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX Re : Failure to Remove and Respond To The Reinvestigation, Debt Validation, and Disputed Debt on XXXX XXXX XXXX Credit Report with XXXX XXXX, XXXX and XXXX XXXX XXXX Credit Card Company. 

Dear XXXX Representative, On XX/XX/XXXX, a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that a claim was disputed and validation was requested by XXXX XXXX XXXX for a " Disputed Account '' regarding XXXX XXXX, XXXX placing a purchased credit card account previously owned by XXXX XXXX XXXX Credit Card holder on my credit report for {$840.00}. I, XXXX XXXX, requested an investigation into the validity of this false information. 
Following the " Disputed Inaccurate Account information, I sent on XX/XX/XXXX a " Reinvestigation of Validation of Creditor Account Information '' reported on my Credit Report. ( Enclosed are all Correspondence sent to your Bureau ) After addressing XXXX XXXX, XXXX, a debt purchasing/collection company, inaccurate account reporting of XXXX XXXX XXXX Credit Card Account, XXXX XXXX, XXXX mailed to me a " False Billing Statement from XXXX XXXX XXXX Credit Cardholder. In addition, XXXX XXXX purposely excluded any signed contract agreement between XXXX XXXX XXXX Credit card company and card holder. 
Enclosed you will find a copy of XXXX XXXX XXXX Credit Card company fabricated billing statement that I received from XXXX XXXX, XXXX in XXXX of XXXX. This billing statement from XXXX XXXX, XXXX will illustrate the misleading, misrepresentation of a billing statement and a disregard for Government required general accounting principles applied and required in all business accounting procedures. 
XXXX XXXX, XXXX, a debt collector, is well aware of statute 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 
Here is an explanation of how XXXX XXXX, XXXX and XXXX XXXX XXXX Credit Card company applied misleading, false accounting figures to this enclosed billing statement belonging to Account Number ( XXXX ) The " Summary of Account Activity '' indicates that the " Previous Balance '' is {$610.00} and a " New Balance '' of XXXX from the accounting period of XX/XX/XXXX to XX/XX/XXXX. 
However, the " Credit Limit '' is {$200.00} with a " Past Due Amount '' of {$170.00} for A " Billing Cycle of 30 days. In addition, this " Statement Closing Date '' was XX/XX/XXXX. It is impossible to accumulate {$660.00} in total balance within a 30 day billing period. 
This " Billing Statement '', also, indicated that " Your Account is Currently Closed '' ( Your means XXXX XXXX ) as of XX/XX/XXXX. Therefore, the " Interest Charge Calculation '' for " Purchases '' plus " Balance Subject to Interest Rate '' plus " Interest Charge '' is completely erroneous. 
False or misleading representations statute ( 15 USC 1692e ) states that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the above conduct is a violation. '' XXXX XXXX, XXXX failed to validate the debt in compliance with the FDCPA by not providing the following : 1. The original contract bearing my name XXXX XXXX XXXX. 
2. Verification of the payment history and all charges made by cardholder of the account 3. A copy of the contract verifying XXXX XXXX, XXXX have been assigned to collect this account. 
4. Verification that XXXX XXXX, XXXX own or have purchased this account. 
The FCRA section 611, which states the following- If after a reinvestigation under paragraph XXXX of

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