Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1700.00} High Balance {$1700.00} Remarks Consumer disputes this account information Collection accountXX/XX/XXXX Collection Agency XXXX XXXX, XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$450.00} High Balance {$220.00} Remarks Consumer disputes this account information Collection account XXXX XXXX, XXXX Collection Agency XXXX XXXX, XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$450.00} High Balance {$220.00} Remarks Consumer disputes this account information Collection account Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$460.00} High Balance {$410.00} Remarks Consumer disputes this account information Affected by natural disaster all above are debt collection violations : The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ]  XXXX XXXX XXXX Account Type Credit Card Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit {$500.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} XXXX XXXX XXXX violations : XXXX to Pay {$570.00} Million as Part of Settlement with FTC, CFPB, and States Related to XXXX  Data Breach XX/XX/XXXX Creditor Name XXXX XXXX Account Type Secured Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX XXXX Account Type Installment Sales Contract Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- XXXX XXXX Account Type Charge Account Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$4500.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$4500.00} Times 30/60/90 Days Late XXXX Remarks Charged off account Fixed rateXXXX XXXX, XXXX - The 4,500-employee company, which started in XXXX, started offering credit to consumers in XXXX. These lawsuits allege XXXX XXXX violated federal telecommunication laws prohibiting telemarketers and debt collection agencies from calling consumers ' cell phones using automatic dialing systems without their express consent. 
You visited this page on XX/XX/XXXX. 
People also search for how can i stop paying XXXX XXXX XXXX XXXX   suing me XXXX XXXX collections phone number XXXX XXXX debt settlement XXXX XXXX XXXX XXXX FTC Approves Final Consent Orders with Five Companies that ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - ... the Federal Trade Commission has approved final orders settling charges that five companies violated the Consumer Review Fairness Act ... 
Missing : XXXX  | Must include : XXXX SEC Filing | XXXX XXXX, XXXX XXXX XXXX  The Federal Trade Commission ( FTC ) has broad consumer protection ... Violation of these laws can result in injunctive relief, civil penalties, and/or other ... 
People also ask What happens when you stop paying XXXX? 

Is XXXX  going out of business? 

Does XXXX  have a grace period?

Does XXXX charge late fees? 

Feedback Web results XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX able to obtain relief from any covenant violation, then an event of default ... Street Reform and Consumer Protection Act, the Federal Trade Commission, the SEC ... 

Dispute Resolution Agreement Notice To All ... - XXXX XXXX XXXX  XXXX PDF basis ; for violation of the Fair Credit Reporting Act ; for tort claims, including, but not limited to, claims for ... FTC Regional Office for region in which the creditor. 

XXXX XXXX XXXX - XXXX  XXXX XXXX Opportunity Act and Federal Trade Commission Act. State laws impose ... violation of covenants ; material inaccuracy of any representation or warranty ; default ... 

XXXX XXXX, XXXX - XXXX  XXXX XXXX XXXX Equal Credit Opportunity Act and Federal Trade Commission Act. State laws impose ... violations of state and federal consumer protection laws arising from the ... 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  Lending Act, Equal Credit Opportunity Act and Federal Trade Commission Act. State laws ... lawsuit alleging breach of contract and violations of state and federal ... 

Consumer Complaints about Debt Collection - National ... XXXX XXXX XXXX XXXX The FTC Collects Data about Debt Collection Complaints but Publishes Little Information ... ... ... ... ... .7 ... In XXXX, top categories of reported law violations included Calls After Getting 'Stop. Calling ' Notice ... XXXX XXXX XXXX. 1,541. 35. XXXX. 
by XXXX XXXX  - XXXX - Related articles Document - XXXX XXXX XXXX XXXX This Annual Report on Form 10-K includes our trademarks such as XXXX XXXX, ... The FTC also can enforce specific consumer protection statutes, such as the ... with respect to any alleged violation by us of a federal consumer financial law over ... 
Searches related to XXXX  ftc violations XXXX XXXX suing me XXXX XXXX   customer service XXXX XXXX complaints XXXX XXXX payment XXXX XXXX debt settlement XXXX XXXX XXXX XXXX  phone number Page NavigationXXXX XXXX, XXXX Creditor Name XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Open Opened DateXX/XX/XXXX Closed Date -- Limit -- Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date --

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