Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX stole my nonpublic personal information, opened a fraudulent account in my name without my knowledge or consent, is attempting to extort me for payment and then reported this fraudulent account into my credit report which has caused so much damage. I am stressed and embarrassed. I never received any notices from XXXX XXXX, not that I should any way but, they are required to follow federal law in which they did not. I do not have any contracts with them. There is no Privity of contract between me and them. XXXX XXXX has failed to provide adequate validation of the debt. XXXX XXXX has failed to provide : Proof of the existence of the alleged debt and outstanding balance ; proof of a contract verifying XXXX XXXX can legally collect ; and proof that XXXX. XXXX XXXX is the current holder of the instrument which created the debt. XXXX. XXXX is violating Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. This company claims that the alleged debt was originated from XXXX XXXX XXXX XXXX XXXX XXXX is the company listed on my consumer credit report. XXXX. XXXX claims to have purchased the alleged debt/transferred the debt from another company, XXXX XXXX XXXX Aside from the unsubstantiated validity of the alleged debt, this is a violation of law. I REFUSE TO PAY THIS ALLEGED DEBT AND I DO NOT CONSENT FOR XXXX. SYSTEMS TO HAVE ACCESS TO MY NONPUBLIC PERSONAL INFORMATION AS THEY ARE THIRD PARTIES THAT I NEVER DID BUSINESS WITH.This collection account is reporting not only as open but also shows a past-due balance of { {$360.00} }. I am disputing the validity of the alleged debt claimed by I C System and have significant concerns regarding their compliance with federal consumer protection laws. 1. Violation of Validation Requirements : XXXX XXXX XXXX  has failed to provide the required validation information as stipulated under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have proceeded to place the collection on my consumer report without my consent or proper notification. 2. Denial of Dispute Opportunity : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to dispute the debt within a certain timeframe upon notificationXXXX XXXX XXXX XXXXXXXX has not provided me with an opportunity to dispute the account, thereby denying me my rights under federal law. 3. Deceptive Practices : I believe that XXXX XXXX XXXX is engaging in deceptive and misleading practices, which is a violation of my consumer rights. They have used false information and deceptive means in their attempts to collect a debt, actions which I consider to be unethical and illegal. 4. Unauthorized Reporting : Furthermore, XXXX XXXX XXXX has no authority to report any debt to consumer reporting agencies without fulfilling all legal disclosures required by 12 CFR 1006.34 ( d ) and 15 USC 1681_S 2 ( 7 ) ( a ). Their failure to provide these disclosures before reporting the debt is a clear violation of federal law. Given these concerns, I hereby : -Dispute any and all debts claimed by I C System. -Revoke all consents previously given, if any, to I C System for communication through email, text messages, and telephone calls, in accordance with the rights afforded to me under the Federal Debt Collection Practices Act. -Request a copy of the purchase agreement between XXXX XXXX XXXXXXXX and the original creditor to substantiate their claim. -Request proof that XXXX XXXX XXXX is licensed and bonded to collect debts in my state. Please take immediate action and investigate these matters thoroughly. I expect XXXX XXXX XXXX to comply with all legal standards and cease all deceptive and unauthorized practices immediately. Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.