Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX Attention : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request Pursuant to FDCPA XXXX XXXX. XXXX XXXX ) XXXX XXXX Code XXXX valuation I am writing in response to your recent communication regarding an alleged debt that you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX XXXX hereby request that you provide full validation of this debt. Under federal law, you are required to cease all collection activities into you furnish me with proper documentation. proving the validity of this alleged debt. 

I am requesting the following information : XXXXThe name and address of the original creditor. 
XXXX. A copy of the original contract, agreement, or signed instrument bearing my signature that establishes my obligation to the debt XXXX. A full itemized accounting of the alleged debt, including all payments, fees, interest, and charges applied XXXXProof that you have the legal authority to collect this debt by providing documentation that XXXX XXXX XXXX owns or has been assigned this debt. 
XXXX. Verification that the statute of limitations has not expired on this debt under applicable state law XXXX. Any judgment obtained against me, if applicable. 
Until you provide all requested documentation, I demand that you cease all collection efforts, including reporting this debt any credit reporting agencies, calling me, or sending further collection notices. Any continued attempts to collect without proper verification may constitute a violation of the FDCPA and my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. {$1600.00} Furthermore, be advised that if you fail to provide proper validation and continue to pursue collection efforts, I will consider all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office Please respond to this request in writing within 30 days of receiving this letter. Also, note that I prefer all communication to be made via mail and not via phone calls. 


According to XXXX XXXX XXXX XXXX, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized accounts : : ACCOUNTS : XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you.. Sincerely XXXX XXXX

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