Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion XXXX  XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Debt Validation and Verification Dear TransUnion Customer Service, I am writing to formally request validation and verification of a debt that has been reported on my credit file by XXXX XXXX XXXX. According to my records, this account, which has an outstanding balance of {$260.00}, was last reported on XX/XX/XXXX. I dispute the accuracy and validity of this debt and am entitled to request both validation and verification under the Fair Debt Collection Practices Act ( FDCPA ). 

**Details of the Debt : ** - **Creditor Name : ** XXXX XXXX XXXX - XXXXAccount Status : ** Open - **Open Date : ** XX/XX/XXXX - **Balance : ** {$260.00} - **Remarks : ** Account placed for collection, dispute resolved reported by grantor **Purpose of this letter : ** This letter serves as a request for the proof of the debt detailed above. I am seeking the following information : XXXX. **Validation of the Debt : ** I require a comprehensive breakdown of this account, including : - The original amount of the debt when it was first incurred. 
- A clear statement regarding the nature of the debt and the original creditor, alongside documentation proving the balance owed. 
- Details of any payments made toward this debt and the associated payment history. 
- A copy of the signed agreement or contract that indicates my responsibility for this debt. 

XXXX. **Verification that this Debt is Accurately Reported : ** I request that you provide : - Documentation that verifies that XXXX XXXX XXXX has the legal right to collect this debt. 
- Information regarding any previous ownership of the debt, including any transfers or assignments that may have occurred. 
- Confirmation that the debt is not time-barred and that any collection efforts comply with applicable state laws and statutes. 

**Dispute of the Debt : ** In addition to my request for validation and verification, I wish to formally dispute the entry reported by XXXX XXXX XXXX. I believe this debt may not accurately reflect my credit history. Before continuing with any collection attempts, it is my right to be made aware of the details surrounding this alleged debt. I kindly request that you freeze this account on my credit report until the above information is provided and a thorough investigation is conducted. 

**Request for Confirmation : ** Please send me the requested information at your earliest convenience. I would like to receive this validation within 30 days of your receipt of this letter. If you are unable to validate the debt within this time frame, I ask that you promptly remove this account from my credit report to ensure compliance with the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

**Conclusion : ** Thank you for your assistance with this matter. I look forward to your prompt response with the necessary documentation and verification regarding this debt. I am committed to resolving this issue swiftly and fairly, and I trust that you will treat this matter with the seriousness it warrants. 

Sincerely,