Consumer complaint received 04/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt was settled at the XXXX with XXXX and XXXX. 
Under the guidelines of the Fair Credit Reporting Act, a company can and will investigate the item to verify its integrity unless the company can provide new information such as court papers or a recent, authentic letter from the creditor that explains what information should be updated. XXXX XXXX is no longer in business and may add a Company Statement to both XXXX and Trans Union or contact the me directly in writing. Contact information for me is provided on the credit report for your review. If you provide a XXXX XXXX that contains proof of debt, then you are giving consent to me to include this information in every credit report you issue about me. If you have any further questions, please contact me. Please visit XXXXXXXXXXXX for questions about this credit report misunderstanding. 

I have reviewed your complaint along with the information you previously provided regarding this issue. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX XXXX # XXXX was incorrectly notified of these disputes. In response to the investigations, the disputed information was not verified or updated properly and accordingly and the results were not forwarded to me for review. Currently, XXXX XXXX XXXX incorrectly reflects an unpaid collection in the amount of {$2100.00} with an estimated deletion date of XXXX. 

Fraud is the intentional use of deceit, a trick or some dishonest means to deprive another of his or her or its money, property or a legal right. A party who has lost something due to fraud is entitled to file a lawsuit for damages against the party acting fraudulently, and the damages may include punitive damages as a punishment or public example due to the malicious nature of the fraud. Quite often there are several persons involved in a scheme to commit fraud and each and all may be liable for the total damages. Inherent in fraud is an unjust advantage over another which injures that person or entity. It includes failing to point out a known mistake in a contract. There is a known mistake in a contract that was never pointed out to me by my broker. It also includes failing to not reveal a fact which he or she has a duty to communicate, such as not delivering promised amenities. My broker promised amenities including a tanning bed and garages as originally understood. The amenities of a tanning bed and garages were not delivered to me as promised. Constructive fraud can be proved by a showing of breach of legal duty such as lying about advertising amenities that were not delivered. Constructive fraud can be proved by a showing of breach of legal duty without direct proof of fraud or fraudulent intent. Extrinsic fraud occurs when deceit is employed to keep someone from exercising a right, such as a fair trial, by hiding evidence or misleading the opposing party in a lawsuit.

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