Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XX/XX/XXXX XX/XX/XXXX TransUnion : Account : XXXX XXXX Violations : XXXX THIS IS A LETTER TO DISPUTE A unauthorized XXXX XXXX account thats says its was open XX/XX/XXXX and was closed since XX/XX/XXXX but has been reporting illegal inaccurate information on my credit report for 19 months, I would like this unauthorized XXXX XXXX Account removed immediately. I contacted the institution who reported the inaccurate information and TransUnion who verified the inaccurate information by certified mail. 
Violation : XXXX XXXX reported the inaccurate information, after I told them the debt wasnt mine ( they said they corrected the issue ) but the unverified information is still illegally inaccurately reporting on my credit report for 19 months ) I never had a account with XXXX XXXX. 
Violation : I requested the agreement between myself and the institution ( of proof that i signed an agreement or contract between myself and the institution ) they never sent me an agreement; Violation : TransUnion didnt contact me within the preferred time period after the certified mail Violation : TransUnion never contacted me or gave me any notice of debt This is violating my right to privacy, Im requesting monetary relief {$1000.00} per violation ( 23 ) and the accuracy of my credit report. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( b ) Disputed debts consumer If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, thedebt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that thedebt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communicationduring the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchap
ter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure