Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XX/XX/year> TO WHOM IT MAY CONCERN, I AM WRITING TO FILE A FORMAL COMPLAINT AGAINST EQUIFAX AND XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DETAILING WHAT I BELIEVE TO BE A SERIES OF DECEPTIVE AND POTENTIALLY FRAUDULENT ACTIONS IN CONNECTION WITH THE HANDLING OF MY FINANCIAL ACCOUNTS. THE PURPOSE OF THIS COMPLAINT IS TO SEEK INVESTIGATION AND REDRESS FOR THE APPARENT MISCONDUCT OUTLINED BELOW. 
OVERVIEW OF ALLEGED CREDITOR AND DEBT COLLECTOR MISCONDUCT : 1. SECURITY AND WIRE FRAUD : - CREDITOR SELLING MY ACCOUNT TO DEBT COLLECTORS, 2. NEGATIVE STATUS AND CHARGED OFF ACCOUNTS : - PLACING ACCOUNTS IN CHARGE OFF STATUS THE SUBSEQUENT " CHARGED OFF '' STATUS, QUESTIONING THE LEGITIMACY OF THESE ACTIONS. ] 3. EXTORTION AND LACK OF VALIDATION : - 15 U.S. Code 1692b - Acquisition of location information ( 2 ) not state that such consumer owes any debt ; 15 U.S. Code 1692d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and Write this in the Invoice : - ACCOUNT INFORMATION : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX See attached disputes sent directly to Equifax XX/XX/year>. Equifax did not investigate disputes or send anything by mail or email to confirm they were working on the disputes.

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 non-monetary relief