Consumer complaint received 2024-08-05
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Document Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : INITIAL DEBT COLLECTION DISPUTE LETTER Re : Account XXXX XXXXXXXX Amount : {$48000.00} Notice to Principal is Notice to Agent, and Notice to Agent is Notice to Principal, in their private capacity, applicable to all successors and assigns. 
To Whom It May Concern, Please accept this letter as my formal debt collection dispute letter. 
I. WHAT YOU NEED TO KNOW : 1. The original creditor lacks legal standing to collect the alleged debt ; 2. The original creditor does not own the alleged debt ; 3. The original creditor is not in possession and/or control of the documents and/or witnesses necessary to prove its alleged claim against the alleged debtor ; 4. The original creditor does not own or possess the right ( s ) to receive all or any payments or amounts allegedly due or owed pursuant to the alleged credit/loan agreement ; 5. The original creditor failed to provide a method of verification for the alleged debt ; 6. The original creditor claim is barred, in whole or in part, by the applicable statutes of limitations ; 7. The original creditor claim is barred, in whole or in part, by the applicable principles of waiver, ratification, latches and/or estoppel ; 8. The original creditor claim is barred, in whole or in part, by the doctrine of unclean hands ; 9. The original creditor lacks standing to bring debt collection because it has no business relationship with the alleged debtor ; 10. I believe the original creditor violated the Federal Truth In Lending Act ; 11. I believe the original creditor violated the Fair Credit Reporting Act ; 12. I believe the original creditor violated the Fair Debt Collection Practices Act ; 13. The original creditor is not the real party in interest ; 14. The alleged debtor did not receive a copy of the alleged credit/loan agreement from the original creditor, or anyone else ; 15. The alleged debtor has never seen the alleged credit/loan agreement and therefore could not have agreed to its provisions. Accordingly, the alleged debtor could not have breached the provisions of the alleged credit/loan agreement ; 16. I DENY all statements of the alleged creditor. Be advised, the Court of Appeals ruled that an itemized list of the alleged charges does not meet the Federal Trade Commission 's guidelines of what constitutes proper debt validation. Please adopt by reference the following case : See. XXXXXXXX XXXX XXXXXXXX ( IN THE COURT OF APPEALS OF INDIANA, XXXX ) ; 17. The defense of the alleged debtor is based upon documentary evidence. 

If your offices still believe that I own the debt, I respectfully request that you provide me with competent evidence that I have any legal obligation to pay the alleged debt to your company, original creditor, or anyone else. 
II. 
PLEASE PROVIDE ME WITH THE FOLLOWING : 1. Please validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) ; 2. Please provide a valid basis for the debt, such as the original contract/agreement/promissory note between me and the original creditor, bearing my wet-ink signature ; 3. Please provide proof when the original creditor claims this debt became due and when it became delinquent ; 4. Please provide a copy of the last billing statement sent to me by the original creditor ; 5. Please provide late payment notice and/or account closing notice provided by the original creditor ; 6. Please provide a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor, authorizing your firm to engage in collection activities on their behalf against the above-alleged account ; 7. Please provide a verified certificate of authority, and/or proof that your company are licensed to collect in my State ; 8. Please provide general ledger statement showing the full accounting of the alleged obligation you are attempting to collect, accompanied by a commercial affidavit by the original custodian of the books and records ; 9. Please provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as XXXX XXXX balance sheet ( XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX ), XXXX OID report, XXXX registration statement, XXXX prospectus, RC-S, and RC-B call schedules ; 10. Please provide verification and/or copy of any judgment if applicable ; 11. Please provide proof of any interest, fees or other charges expressly authorized by the credit/loan agreement ; 12. Please provide a certified copy of all Public Hazard Bond ( s ) and Liability Insurance Policy ( s ) and accounting demonstrating the financial capability of debt collector ; 13. Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ; 14. Please provide a Statute of Limitations expressly authorized by the credit/loan agreement ; 15. Please provide documentary evidence for the method of verification of the alleged debt. 
III.

WITH THE FOLLOWING INFORMATION : IN ADDITION TO MY ORIGINAL REQUESTS IN II, I WOULD ALSO LIKE YOU TO PROVIDE ME 1. Did the original creditor credit/loan its credit to me? 
2. Did the original creditor credit/loan lawful money to me?

3. Did I sign an agreement with the original creditor, which prevents me from repaying credit/loan? 4. Did the original creditor inform an alleged borrower that the original creditor uses the alleged borrower 's loan to create the very money and/or credit institution loans out to the borrower?

5. Does the original creditor have the policy to show the same money in two separate places at the same time?

6. Does the original creditor claim to loan out money or credit from savings and certificates of deposits while never reducing the amount of money or credit from savings accounts or certificates of deposits, which customers can withdraw from?

7. Using the banking practice in place at the time the loan was made, is it theoretically possible for the original creditor to have loaned out a percentage of the Savings Accounts and Certificates of Deposits? If the answer is NO, explain why the answer is NO.

8. Is it true that the original creditor creates ( checkbook ) money when the bank/lender grants loans, simply by adding deposit dollars to accounts on the bank/lenders books, in exchange for the alleged borrower 's note?

9. According to the original creditor policy, is a promise to pay money the equivalent of money?

10. Does the original creditor use a borrower 's assumed note to create new bank/lender money, which did not exist before the assumed note was signed?

11. Does the original creditor use any form of a note to create new money when bank/lender loans credit to someone?

12. Did the original creditor take money from any Demand Deposit Account ( DDA ), Savings Account ( SA ), or a Certificate of Deposit ( CD ), or any combination of any DDA, SA or CD, and loan this money to the alleged borrower?

13. Did the original creditor replace the money or credit, which it loans to an alleged borrower with the alleged borrower 's assumed note?

14. Did the original creditor take an asset called money, or the credit used as collateral for customers ' account deposits, to loan this money to the alleged borrower, and/or did bank/lender use the alleged borrower 's note to replace the asset it loaned to the alleged borrower?

15. Did the money or credit which the original creditor claims to have loaned to the alleged borrower, come from deposits of money or credit made by original creditor 's customers, excluding the alleged borrower 's assumed note?

16. At the time of the alleged loan of original creditor credit to me, was there one dollar of Federal Reserve Notes in original creditor possession for every dollar owed in Savings Accounts, Certificates of Deposits, and Checking Accounts Demand Deposit Accounts for every dollar of the alleged loan?

17. Does the original creditor have the policy to prevent an alleged borrower from discharging the note in " like-kind funds '' which bank/lender deposited, from which to issue a check or loan credit?

18. Is the original creditor required to obey the UCC laws concerning, Commercial Paper, Commercial Transactions, Commercial Instruments, and Negotiable Instruments?

19. Did the original creditor lend the alleged borrower bank/lender 's assets or bank/lender 's liabilities ?

20. What is the original creditor 's definition of " Credit ''?

21. What is the original creditor 's definition of " Loan ''?

22. Considering the balance sheet entries of the original creditor 's loan of money or credit to the alleged borrower, did original creditor directly decrease the customer deposit accounts ( i.e. DDA, SA, and CD ) for the amount of the loan?

23. Describe the bookkeeping entries required to open this account.

24. Did original creditor bookkeeping entries to record the loan and the alleged borrower 's assumed note ever, at any time, directly decrease the amount of money or credit from any specific customer 's deposit account?

25. Does original creditor have a policy or practice to work in cooperation with other banks, banking institutions, or financial institutions use an alleged borrower 's note as collateral to create an offsetting amount of new money, bank money, or credit, or checkbook money, or DDA generally to equal the amount of the alleged loan?

26. Regarding the alleged borrower 's assumed loan, please give the name of the account, which was debited to record the note.

27. Regarding the bookkeeping entry referred to in opening this account, state the name and purpose of the account which was credited.

28. When the alleged borrower 's assumed note was debited as a bookkeeping entry, was the offsetting entry a credit account?

29. Regarding the initial bookkeeping entry to record the alleged borrower 's assumed note and the assumed loan to the alleged borrower, was the bookkeeping entry credited for the money loaned to the alleged borrower and was this credit offset by a debit to record the alleged borrower 's assumed note?

30. Does the original creditor currently or has it at any time used the alleged borrower 's assumed note as money to cover bank/lender 's liabilities referred to above, i.e., DDA, SA, and CD?

31. When the alleged loan was made to the alleged borrower, did the original creditor have every DDA, SA, and CD backed up by Federal Reserve Notes on hand?

32. Does the original creditor have an established policy and practice to emit bills of credit to its alleged borrowers? If YES, are said bills of credit created upon its books at the time of making the loan agreement when issuing money or " so-called money '' of credit?

33. Finally, please provide an affidavit signed under Penalty of Perjury that your company has not violated any portion of the Fair Debt Collection Practice Act. 
At this time, I do not authorize, nor consent to the sale, or transfer, or assignment, or novation of this alleged debt to a third party and/or another party. I also inform you that reporting invalidated ( derogatory ) information to major credit bureaus ( XXXX, XXXX, TransUnion, XXXX, or any third party ) might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Also, this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act ; Violation of the Consumer Collection Practices Act in my State ; Attorney misconduct, in case your company is the law firm ; Defamation of Character.

If your offices can provide proper documentation as requested in the following Declaration ( II, III ), I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for the suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. 
If your company fails to respond to this dispute letter and/or validation request ( XXXX ) within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from your firm records and my credit report if reported and a copy of such deletion ( to any/all of the major credit reporting bureaus : XXXX, XXXX, TransUnion, XXXX, or any third party ) request shall be sent to me immediately. 
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer-generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by the United States Postal Service. 
It would be advisable that you assure your records are in order before I am forced to take legal action against your company. This is an attempt to correct your records, any information obtained shall be used for that purpose. 
I sent this notarized letter via certified mail to ensure this matter is resolved within the required thirty ( 30 ) day window so as to avoid any violation of Federal and State Law. 

IMPORTANT : PLEASE CONSIDER THIS LETTER AS A NOTICE OF INTENT TO FILE A LAWSUIT, WHERE I RESERVE MY LEGAL RIGHT TO START LITIGATION WITHOUT PROVIDING A FUTURE NOTICE. 
I am waiting for your immediate action to my requests. Best Regards, XXXX XXXX XXXX