Consumer complaint received 2023-07-06
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I received the following email from XXXX on XX/XX/2023 at XXXX XXXX  EDT XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Outstanding Balance {$2400.00} Offer In Compromise {$2400.00} TODAY % Debt Reduction Scheme 2.44 % Waiver | % Saved {$60.00} Case Id : XXXX Debtor : XXXX XXXX You are hereby notified that a lawsuit has been filed against you for three serious allegations. 

The charges pressed against you by XXXX XXXX XXXX are as follows : 1. Violation of Federal Banking Regulations. 
2. Breach of contract with the loan company. 
XXXX. Theft by Deception. 

The affidavit states that XXXX XXXX was monitored online or offline using the email address and solicited funds. These funds are owned and operated by XXXX XXXX, which owns and operates more than 350 online websites, XXXX offline cash stores, web portals, and all of the sub-lenders. 

All the loan companies working under XXXX XXXX XXXX. are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). So, it doesn't matter from which website or store you took out this loan ; the main lender has the right to file a complaint and recover the outstanding balance in the courthouse. 

When the creditor attempted to retrieve the funds as repayment, you didn't pay your monthly installment on time. As of now, instead of pursuing you for the money, the creditor has decided to write off this amount as a loss and declare it stolen, pressing charges against you. 

Now, the affidavit is taken under the FDCPA law, which stands for the Fair Debt Collection Practices Act, under Section 9, Chapter 19. 

This implies two things for you : 1. If you are on any state-supervised probation or payroll, you need to inform the officer about this case. 
2. If you have any prior convictions, including but not limited to worthless checks, grand theft, or money laundering, please be aware that they will handle this case as a habitual offense, as your state has a zero-tolerance policy. 

This is also to inform you that the creditor has all the rights and authority to inform your employer about this case and the potential consequences once this case is downloaded and executed with judgments against you. It is because you have listed your employer 's name as security, and two additional names were used as additional security. 

Finally, you have the right to hire an attorney. If you can not afford one, then one will be appointed to you. However, please make sure that you have someone to help you regarding this case because once this case is downloaded and executed with judgments against you, and if you are found guilty by a jury, you will have to bear the court charges as a penalty. The amount is {$18000.00}, excluding your bail charges, attorney charges, and the pending amount in your name. 

Furthermore, your name and Social Security Information will be reported to the three major credit bureaus in the USA, namely : 1. XXXX 2. TransUnion LLC 3. XXXX  Ultimately, this will affect your FICO scores negatively by XXXX points, and your Social Security number will be blacklisted. Additionally, you will not be eligible for any government benefits and entities. 

According to the orders of the courthouse, the State Investigation Department Officers will deliver all the legal documents to your current employer. This can risk your current job, and once the judge legally opens your execution case tomorrow, these charges will be reflected on your Credit Reports, making it very difficult for you to find a new job in the future. 

Finally, this case will be filed with your State County Court and your XXXX County Sheriff 's Department tomorrow at XXXX XXXX, as per your State Standard Time. After that, you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney 's fees, case execution charges, legal penalties, bail charges, and paper development charges, in addition to the due amount that you owe to your creditor, which is {$2400.00}. 

You can apply for an Offer In Compromise ( OIC ) and may choose from the payment arrangement options mentioned below : i ) You can clear this debt by paying {$2400.00} today, deducing daily interest, as an ( OIC ) Offer in Compromise. 
ii ) You can submit the settlement balance of {$2400.00} in payments ( {$610.00} x 4 installments ) starting from today to hold the warrant. 


If you want to resolve this case outside of the court, then contact our restitution debt registrar department for your installments/settlement at XXXX. 

Regards, Attorney XXXX XXXX | Division Of National Debt Settlement | FDCPA | TRANS UNION Resolvement Department Confidentiality Statement & Notice : - This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, retransmission, dissemination to unauthorized persons, or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.