Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I, XXXX XXXX, ( a natural person ) was issued a false debt. I am submitting this complaint on my own behalf to protect and enforce my consumer rights. I am making this complaint regarding the account listed as XXXX XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$3800.00} on my consumer report listed with TRANSUNION. I do not owe such debt and this is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. 

I called XXXX XXXX XXXX ( XXXX  XXXX XXXX ) on or around XX/XX/2021 requesting that I be provided with validation to substantiate XXXX XXXX XXXX ( XXXX XXXX XXXX ) ' claim of an alleged debt. I spoke with XXXX  several times requesting an original contract with my wet ink signature providing documentary evidence that a legal contract exists between myself and this privately held entity named XXXX XXXX XXXX ( XXXX XXXX XXXX ). I left over 7 messages for a manager with XXXX XXXX XXXX ( XXXX XXXX XXXX ) and received no responses. I have no contractual obligation to this company or this false claim. Again, this is a violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. Please see exhibits for violations. 

I informed XXXX via U.S. Postal Mail that if the company could not validate the alleged debt by submitting to me an original contract with my wet ink signature, that I demand removal of the account. XXXX has not responded to any of my calls, emails or postal mail. I am now demanding CFPB pursue getting the account deleted from all records. Please see exhibits for documentary evidence of the packages be delivered. 

I informed TRANSUNION via U.S. Postal Mail on multiple occasions regarding the false debt. I informed them of all of the facts and affirmed that XXXX XXXX XXXX ( XXXX XXXX XXXX ) is incapable of providing the contract as stated. TRANSUNION continues to willfully keep the false debt listed on my credit report. TRANSUNION is unable to validate the debt. I sent TRANSUNION a cease and desist, FTC Fraud Affidavit as well as the complaint filed with the FTC. I demanded removal of the account with XXXX. Neither company have responded informing me of the deletion. Again, this is a violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. 

This is affecting my life I am undergoing extreme stress and emotional damage due to this nightmare. It is affecting my personal and professional life. I am unable to operate my affairs properly with this false debt on my consumer report. I deserve justice for the trouble and harm this company is causing me by being complicit in violating my federal rights. 

TRANSUNION continues to claim they need authorization from me to continue with an investigation. I am authorizing TRANSUNION to address this matter for the sole purpose of removal of the alleged debt listed by XXXX XXXX XXXX ( XXXX XXXX XXXX ) on my consumer report. I authorize and direct any consumer reporting agency to furnish a copy of my consumer report to the CFPB for the purpose of responding to and investigating my consumer complaint.

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