Consumer complaint received 01/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Still waiting on the alleged " bill '' to XXXX XXXX Crafters or whatever subsequent name it operated under when it suspiciously wrote an unsigned work order - 2 years after any work was completed on my car. 

I say again, there is no debt that has not been fabricated by you and/or your client in violation of multiple consumer protection laws. 

See below for the Fair Debt Collections Practices Act that you are in violation of : XXXX. Unfair practices [ XXXX XXXX XXXX ] A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 


XXXX, There is no balance. There is no authorization for work, no signed order, nothing which evidences any overdue monetary obligation to your client from me in 2010 - authorization was never sought or given for the part repair in question. Hence, there is no figurative leg for you to move forward on. 

To continue to insist upon payment for unauthorized work and otherwise harass me is proximate to fraud. 

As to the subsequently approved work from my insurer : Attached is a fax from XXXX XXXX confirming that payment in full has now been sent to your client for all approved work performed on my car. I now consider this matter resolved. 

As I indicated in my previous e-mail, I did not authorize your client to perform any work on my car that was not covered by my insurer, XXXX XXXX. Moreover, your client failed to notify me prior to beginning work on my car that XXXX XXXX would not cover certain work performed by your client on my car. Had your client informed me that certain proposed work would not be covered by XXXX XXXX, I would have made an informed decision, maybe taken my car to another shop. Instead, your client said " I 'll take care of it '' and began work, which I am now informed ( three years later ) included work not covered by XXXX XXXX. 

You are hereby notified that any efforts by you or your client to collect for any unauthorized work performed on my car is unlawful and would subject you and your client to civil penalties, punitive damages and attorney 's fees and costs pursuant to the California Fair Debt Collection Practices Act, Unfair Business Practices and Unfair Competition Act, and the Fair Debt Collection Practices Act. XXXX. XXXX XXXX. section XXXX, et seq. ; XXXX. Bus. XXXX XXXX section XXXX, et seq ; XXXX XXXX. XXXX, et seq. You are further notified that having purposefully availed yourself to the jurisdiction of California, you would be subject to civil suit in California along with your client. 

Thanks,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation