Consumer complaint received 2022-01-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
A resorted debt charge that has been on credit since XXXX. 

Issue : I disputed and reached out to company back in XXXX to XX/XX/XXXX about debt. I was provided information. I still disputed. But was set to pay on charged-off. BEING CHARGE off AND DEBT was off XXXX BOOKS I was transferred around and at times payments were difficult to make to agents due to insisting debt was off book and sold to Solar debt collector agency.. 

Subsequently, I made XXXX payments. I disputed and attempted to contacrd XXXX back in XXXX to XX/XX/XXXX about debt. I was provided information. I still disputed. But was set to pay despite It BEING CHARGE off AND DEBT was off THEIR BOOKS I was transferred around and at times payments were difficult to make. Subsequently, I made XXXX payments. They took my account being on one payment. In the process dealing with a business personal manner. An advisor said its charge off. So in process for this business transaction ( refinance, and having medical issues and less work on my extra job due to Covid reductions in some industries. 
I owed XXXX. Yet I didnt sign an agreement but did they contact me for payment again many times they said this is with A DEBT Agency.. 

I am filing dispute. Per Texas they cant restart this debt even if partial payment was made. ( Sect XXXX ) Its already on my credit XXXX account as a charge off I didnt sign an agreement. I am filing a complaint with the state. Im having medical issues and this old reporting are damaging my credit. It is ridiculous. How in these unprecedented times. Companies are trying to ruin individuals financially for As iof XXXX. They recharged Off the balance and restarted debt dropped my credit XXXX points. I have been battling late zombie collection before. When they see you are trying to rectify your credit worthiness in spite of challenges-yet they report to the bureaus to harm your report and future financial standing in credit sense took my account being on one payment. In the process dealing with a business personal manner. An advisor on a personal business manner informed me its ALREADY charged-off. So in process for this business transaction ( refinance, ) and having medical issues and less work on my extra job due to Covid reductions in some industries. 
I owed XXXX. Yet I didnt sign an agreement but did they contact me for payment again many times they said THUS this is with A DEBT Agency.. 

I am filing dispute. Per Texas they cant restart this debt. ( Sect XXXX ) Its already on my credit XXXX account as a charge off I didnt sign an agreement. I am filing a complaint with the state. XXXX having medical issues and this old reporting are damaging my credit. It is ridiculous. How in these unprecedented times. Companies are trying to ruin individuals financially for As iof XXXX. They recharged The debt off as a New charge off the balance and restarted debt dropped my credit XXXX points. I have been battling late XXXX and zombie collection before. When they see you are trying to rectify your credit worthiness in spite of challenges-yet they report to the bureaus to harm your report and future financial standing in credit sense

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation