Consumer complaint received 2023-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to bring to your attention a concerning issue regarding XXXX XXXX XXXX, as well as the credit reporting companies involved Transunion, which I believe did not conduct a thorough investigation into the account listed on my credit report. The details of the account in question are as follows : XXXX XXXX XXXX Corporate Office : XXXX XXXX XXXX, XXXX, SC XXXX TransUnion Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Account type : Collection/Charge off I disputed the accuracy of the information reported by XXXX XXXX XXXX XXXX XXXX indicated by the comment " Account information disputed by consumer, meets FCRA requirements. '' According to the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any debt that is reported on my credit report. I am exercising that right by requesting that XXXX XXXX XXXX provide me with the following information : Verification of the debt, including documentation of the original contract or agreement. 
The name and contact information of the original creditor A complete account history, including details of all transactions and charges related to this debt. 
Proof of the amount and validity of the debt, including any itemized breakdown of charges. 
The name and contact information of any third-party collection agency involved in the collection of this debt. 
Complete payment history Proof of Photo ID, Full Security Number, DL The obligations between XXXX XXXX XXXX and myself that allows you to collect this debt and any documentation from your company that binds me to an agreement to pay your company. 
Letter of sale of assignment from original creditor with XXXX XXXX XXXX. 

If XXXX XXXX XXXX is unable to provide this verification, I request that the account be promptly deleted from my credit report as this does not belong to me and must be deleted. 

I have previously contacted XXXX XXXX XXXX to request verification of this debt, and while they acknowledged the dispute on my credit report, they failed to provide the necessary documentation and details requested under the Fair Credit Reporting Act ( FCRA ). Despite my efforts to address this issue directly with XXXX XXXX XXXX, I have not received a satisfactory response or a full investigation into the matter. 

As a consumer, I am deeply concerned that the credit reporting companies and XXXX XXXX XXXX have not taken the necessary steps to conduct a comprehensive and accurate investigation into this account, as required by the FCRA. This has resulted in inaccurate information negatively impacting my credit profile. 

I kindly request that the Consumer Financial Protection Bureau intervene and investigate this matter further to ensure that XXXX XXXX XXXX and the credit reporting companies involved adhere to the provisions of the FCRA. It is imperative that a thorough investigation is conducted to validate the accuracy of this debt and its reporting on my credit file. I do not have a contract with this company nor did I receive a XXXX Tax form for this charge off. Also they are reporting this account as a charge off every month and that is not possible as a charge off can only happen XXXX time. 

I appreciate your prompt attention to this issue and your commitment to protecting consumer rights. Your assistance in resolving this matter and ensuring compliance with the FCRA is greatly appreciated. 

Sincerely,