Consumer complaint received 2024-06-20
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. (SC)

I hope this complaint finds you well. I, as a consumer have tried multiple times to contact XXXX XXXX and TRANSUNION CONSUMER SOLUTIONS for a dispute and they keep claiming the alleged account is verified. They have NOT sent proof on HOW the alleged account is verified. Over the course of XXXX years, I have sent letters to both XXXX and TransUnion. At this point, the companies are showing that they are very negligent on doing their grave duties which is a federal violation. Please view the attachments I have sent along with this complaint. It shows the multiple letters I have sent over the years, along with a recent reply from Transunion that does NOT show their process on how they conducted their VERIFICATION. They just said the account was updated but the PAYMENT HISTORY from XX/XX/XXXX through XX/XX/XXXX shows no information which is a violation. I have it shown in the attachments as well. The account was allegedly open XX/XX/XXXX and allegedly closed XX/XX/XXXX but the last payment made and recieved was on XX/XX/XXXX. None of that makes sense NOR is correct. I am sick of the violations that's causing me nothing but problems, which is an UNSAFE ENVIRONMENT. 


I, a consumer in fact, agree with The Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 U.S. Code 1692 ( e ) ; Take Notice that Pursuant to 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you TRANSUNION CONSUMER SOLUTIONS and XXXX XXXX  used email, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 U.S. Code 1692a ( 3 ) as any natural person allegedly obligated to pay any debt.

Take further notice that I am the true creditor Pursuant to 15 U.S. Code 1692a ( 4 ) which clearly states that a creditor is any person who extends credit creating a debt therefore I, a consumer, created the debt via my extension of credit to XXXX XXXX 

You XXXX XXXX shall also know that the term debt defined under 15 U.S. Code 1692a ( 5 ) comprehensively states that it means any alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

Notice that you are defined as a debt collector Pursuant to 15 U.S. Code 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent in direct violation of 15 U.S. Code 1692c ( a ) ( 1 ). 

You, XXXX XXXX XXXX are also in violation of 15 U.S. Code 1692b ( 2 ) which states that you may not state that I a consumer owes any debt. Furthermore, you have attempted to communicate with me on multiple occasion which is a violation of 15 U.S. Code 1692b ( 3 ) ; You are also in violation of 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ).

Take further notice that Pursuant to 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval as you XXXX XXXX XXXX is stating that someone other than me a consumer in fact, is the creditor when I am the creditor Pursuant to 15 U.S. Code 1692a ( 4 ). 

I hereby DEMAND that you XXXX XXXX cease and desist all communication and attempts to collect this alleged debt Pursuant to 15 U.S. Code 1692c ( c ) ; Take further notice that your failure to follow these laws will result in me invoking specified remedies Pursuant to 15 U.S. Code 1692c ( 3 ).

You have XXXX  days from the receipt of this notice to cease & desist all communication and remove all negative remarks from all three bureaus or I may seek damages Pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) ( b ) ( 1 ) ( 2 ) ( d ). Additionally I DO NOT consent to any automated scan response or e- XXXX XXXX methods.