Consumer complaint received 2023-08-08
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 disputing the information being reported as a Collections account by XXXX XXXX XXXX ( " the Current Owner '' ), which was alleged to have acquired a Charge-off account from XXXX XXXX XXXX  on XX/XX/2020. I believe there are inaccuracies and violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in connection with this account. I would like to bring your attention to the following concerns and request a thorough re-investigation of this matter : Validation Notice and Verification of Debt : Pursuant to the FDCPA, I received communication from XXXX XXXX XXXX XXXX regarding this debt. However, I contend that the validation notice provided did not offer sufficient information to validate the debt as required by law. The validation letters I received lacked crucial information, and the information that was provided did not constitute proper verification of the debt. I kindly request that you provide me with the complete and accurate documentation and verification of this debt, as required by the FDCPA. For the following reasons : Lack of Contractual Agreement with XXXX XXXX XXXX  : As stated in my previous correspondence, I have never entered into any contractual agreement with XXXX XXXX XXXX, the alleged original creditor for any such Charge-off account to exist currently or in the past. Wherefore, there remains no XXXX XXXX XXXX  " Charge-off '' account existing on my credit report currently or in the past to report this false, inaccurate, and untrue information on my credit report to TransUnion. 


Accuracy of Reporting to TransUnion : The FCRA mandates that information reported to credit bureaus is accurate and complete. It has come to my attention that the account information reported by the Current Owner contains discrepancies and inaccuracies on my TransUnion credit report. Specifically, the reported balance, payment history, and charge-off date differ from my records and research. I have even verified that no current charge-off for XXXX XXXX XXXX  XXXX the alleged previous creditor, exists or existed on my TransUnion credit report. I kindly request that you conduct a thorough review of the account information being reported to TransUnion and delete any inaccuracies immediately. 


Communication Cease Request : I acknowledge that I previously submitted a request to cease communication regarding this account. However, I also understand that this does not absolve the Current Owner of their responsibility to provide accurate and complete documentation when requested. Do address the concerns outlined in this dispute and conduct a thorough re-investigation. 


Failure to Address Dispute : Despite sending timely disputes through TransUnion, I have not received adequate responses or evidence that my concerns were addressed appropriately. I believe there has been a failure on the part of XXXX XXXX XXXX XXXX to address the disputed information in compliance with the FCRA. I request a comprehensive review of my disputes and accurate resolution of the issues identified. 


I appreciate your attention to these matters and your commitment to complying with both the FDCPA and the FCRA. Please provide me with a detailed response outlining the results of your re-investigation and any actions taken to immediately delete the discrepancies and inaccuracies on my TransUnion credit report. 


I look forward to a prompt and thorough response within the timeframes mandated by the FCRA. Your cooperation in this matter is greatly appreciated.