Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Subject : URGENT - Investigation Required Blatant Violation of FDCPA and FCRA Dear Consumer Financial Protection Bureau Consumer Complaint Division, I am writing to express my profound frustration and utter dismay regarding the gross violation of the Fair Debt Collection Practices Act ( FDCPA ) and FCRA by Transunion in handling my case. 
On XX/XX/XXXX, I sent a letter to Transunion highlighting the XXXX XXXX XXXX 's persistent refusal to validate the alleged debt, despite my numerous requests. Shockingly, Transunion, on XX/XX/XXXX, deleted the XXXX XXXX XXXX  Account XXXX for {$14000.00} from my credit report only to allow the XXXX XXXX XXXX to reenter the same alleged debt in less than 24 hours. It is disheartening that Transunion knowingly permitted this farcical debt to tarnish my credit report. 
When I contacted Transunion on XX/XX/XXXX, to address the reentry of the bogus debt, their customer service representative callously suggested filing another dispute against the XXXX XXXX XXXX, subjecting me to an additional 30-day waiting period. The question looms : what prevents the XXXX XXXX XXXX from repeating this cycle? I demand Transunion to implement a permanent block to prevent the XXXX XXXX XXXX from reentering my filean action well within TransUnion 's capabilities. 
The law is unambiguous and well-established ; Collectors, as mandated by the Fair Debt Collection Practices Act ( FDCPA ), are obligated to provide a written debt validation notice. Despite seven written requests, including four via certified mail, the XXXX XXXX XXXX has consistently failed to validate the purported debt. 
Certified Mail with Electronic Delivery Confirmation # XXXX Certified Mail with Electronic Delivery Confirmation # XXXX Certified Mail with Electronic Delivery Confirmation # XXXX Certified Mail with Electronic Delivery Confirmation # XXXX Per my rights under the FDCPA, I formally demanded TransUnion compel the XXXX XXXX XXXX to produce irrefutable evidence of the debt, specifically all six final billing statements spanning from XX/XX/XXXX, to XX/XX/XXXX. The XXXX XXXX XXXX 's failure to provide these documents, coupled with the fluctuating balance changes and lack of written notice, constitutes a clear violation of the law. 
Regrettably, the XXXX XXXX XXXX not only violated the FDCPA by failing to provide essential documentation but also transgressed the Dodd-Frank Act, prohibiting unfair, deceptive, or abusive debt collection practices. 
Compounding the issue is the glaring inconsistency in the information provided by the XXXX XXXX XXXX, notably in the fluctuating balance. I draw your immediate attention to the legal doctrine of estoppel by silence, as articulated in Engelhardt v. Gravens ( Mo ) 281 SW 715, 719. The XXXX XXXX XXXX 's silence may be construed as an implicit admission that no substantiating evidence of the alleged debt exists. 
Given these egregious circumstances, I formally demand the immediate execution of the following corrective actions : Permanently expunge Account XXXX associated with the XXXX XXXX XXXX from my credit report. 

Initiate a comprehensive investigation into the veracity of the information provided by the XXXX XXXX XXXX, with subsequent corrective measures implemented to rectify identified inaccuracies. 
The lack of substantiated proof within the stipulated time frame, coupled with potential inaccuracies, necessitates the immediate removal of this account from my credit report. 
Your immediate and undivided attention to this matter is not just requested but expected. I anticipate a swift resolution of this dispute and insist on receiving written notification detailing the actions undertaken in response to this complaint. 
Thank you for your cooperation, and I expect your diligent response within the shortest possible time frame.