Consumer complaint received 2024-03-21
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. (FL)

TransUnion Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX Original Debt Collector information : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX : XXXX XXXX. 
Date of collections : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Collection amount : {$12000.00} XXXX XXXX XXXX, # XXXX XXXX  XXXX, VA XXXX ( XXXX ) XXXX Subject : Dispute of Collection Account Pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) ( i ), 1692 and 1692e Dear Sir/Madam, I am writing to formally dispute the collection account listed on my TRANSUNION LLC credit report XXXX which is associated with the company, XXXX XXXX XXXX The account in question appeared on my credit report in XX/XX/XXXX, but was supposedly open in XX/XX/XXXX and it has come to my attention that this account does not belong to me. This dispute is made pursuant to the provisions outlined in 15 U.S. Code 1681 ( a ) ( 2 ) ( i ), 1692, and 1692e of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which mandate the accuracy and completeness of information reported to consumer reporting agencies, fair debt collection practices, and prohibition of false or misleading representations. 

According to 15 U.S. Code 1681 ( a ) ( 2 ) ( i ), entities that furnish information to consumer reporting agencies, such as XXXX XXXX, are required to take reasonable measures to ensure the accuracy and completeness of the information they provide. This includes verifying the accuracy of the information before it is reported to the consumer reporting agency. 

Furthermore, 15 U.S. Code 1692- Congressional findings and declaration of purpose, states the purpose of the FDCPA is to eliminate abusive debt collection practices by debt collectors, to ensure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent state action to protect consumers against debt collection abuses. This emphasizes the importance of fair and accurate debt collection practices, including the validation of debts. 

Moreover, 15 U.S. Code 1692e - False or misleading representations, prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. This includes the false representation of the character, amount, or legal status of any debt.

Additionally, it has come to my attention that the collection account in question has been erroneously reported to my credit report. This account is not listed with either XXXX or XXXX agencies, which are two major consumer reporting agencies. This error must be rectified immediately, as it is impacting my creditworthiness and financial standing.

As a consumer, I am exercising my rights under these provisions to dispute the validity of the collection account and request that you provide verification of the debt as required by law. Despite the appearance of this account on my credit report, I have no knowledge of any such debt, nor have I ever engaged in any financial transactions with your company. 

Furthermore, I have discovered that the alleged debt associated with this collection account was sold from the original debt collector, XXXX XXXX XXXX XXXX. Despite this, I have not received any communication or correspondence from XXXX XXXX or XXXX XXXX XXXX XXXX regarding this alleged debt, which raises concerns about the accuracy of the information being reported. 

As a consumer, I am exercising my rights under these provisions to dispute the validity of the collection account and request that you provide verification of the debt as required by law. Despite the appearance of this account on my credit report, I have no knowledge of any such debt, nor have I ever engaged in any financial transactions with your company or XXXX XXXX XXXX XXXX. 


I would also like to address the discrepancy in the collection amount listed on my credit report, which is stated as {$12000.00}. This amount appears to be inaccurate and unsubstantiated, further highlighting the need for validation of the debt. 

In accordance with the provisions of the FCRA and the FDCPA, I request that XXXX XXXX ceases all collection activities related to this account until such time that you have provided me with sufficient evidence to verify the validity of the debt and rectify the reporting error with XXXX or XXXX. Failure to comply with this request may result in legal action being taken against your company for violations of these laws. 

Please be advised that I expect a prompt response to this dispute within 30 days from the date of receipt of this letter. If you are unable to provide the requested documentation or fail to rectify the reporting error within the specified timeframe, I reserve the right to pursue further action to rectify this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost professionalism and in accordance with the laws and regulations governing consumer credit reporting and debt collection practices.