Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear XXXX XXXX XXXX, This letter is sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), to formally dispute the validity of the alleged debt referenced above, reportedly placed for collection by XXXX XXXX XXXX on XX/XX/year>, with a balance of {$580.00}, purportedly owed to the original creditor, XXXX XXXX XXXX. Be advised that this is not a refusal to pay but a notice that your claim is disputed, and I am exercising my rights under federal and XXXX state laws to demand strict verification and validation of the debt. I am also invoking my rights under UCC 1-308 to reserve all rights without prejudice. 
Dispute of Debt and Request for Validation Under 15 U.S.C. 1692g ( b ), I dispute the validity of the entire alleged debt or any portion thereof and demand that you provide the following documentation to validate this debt : XXXX. The name and address of the original creditor ( XXXX XXXX XXXX ) and proof that they assigned or sold the debt to XXXX XXXX XXXX. 
XXXX. A copy of the original, signed contract or agreement between myself and XXXX XXXX XXXX establishing the debt. 
XXXX. A complete, itemized transaction and payment history from the original creditor, including the original debt amount, any fees, interest, or charges added, and how these amounts were calculated. 
XXXX. Proof that XXXX XXXX XXXX is authorized to collect this debt on behalf of XXXX XXXX XXXX or any subsequent assignees. 
XXXX. Evidence that XXXX XXXX XXXX is licensed to collect debts in the State of XXXX as required by the XXXX XXXX XXXX XXXX 
XXXX. The date the alleged debt became payable and delinquent, and the last payment date on this account. 
XXXX. A copy of any judgment, if applicable, related to this debt. 
Until you provide the above validation, you are required, under 15 U.S.C. 1692g ( b ), to cease all collection activities and communications regarding this alleged debt. Any continued attempts to collect this debt without providing the requested validation will constitute a violation of the FDCPA. 
Allegation of Inaccuracies and FCRA Compliance Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) and 1681i ( a ), I dispute the accuracy and completeness of the information reported to credit reporting agencies ( CRAs ) by XXXX XXXX XXXX XXXX The following potential inaccuracies have been identified in the reporting of this account : * Account Status and Reporting Errors : The account is reported as Open and Derogatory with a balance of {$580.00}, yet no information is provided regarding the closure status of the original account with XXXX XXXX XXXX, as noted in your report ( Closed : No Info ). This lack of clarity violates XXXX XXXX compliance standards, which require accurate and complete reporting to CRAs. 
* Unverified Debt : The report lacks sufficient detail to confirm the debts validity, such as the original contract or payment history, which is required under E-OSCAR and OCRA protocols for accurate dispute resolution. 
* Licensing Concerns : I have reason to believe that XXXX XXXX XXXX XXXX not be licensed to collect debts in XXXX as required by XXXX XXXX XXXX XXXX. If you are not licensed, your collection activities in XXXX  are unlawful, and any reporting to CRAs is inaccurate and must be removed. 
Pursuant to 15 U.S.C. 1681s-2 ( b ), you are required to conduct a reasonable investigation of this dispute and correct or delete any inaccurate or unverifiable information reported to CRAs ( XXXX XXXX  TransUnion ) within XXXX  days of receiving this notice, as mandated by 15 U.S.C. 1681i ( a ). Failure to do so may result in liability for statutory damages, actual damages, and attorney fees under 15 U.S.C. 1681n and 1681o. 
XXXX  Debt Collection Act ( TDCA ) Compliance Under the XXXX XXXX XXXX XXXX, debt XXXX are prohibited from engaging in fraudulent, deceptive, or misleading representations. The lack of transparency in your reporting, including the failure to provide a clear account history or proof of licensing, may constitute a violation of the TDCA. Additionally, XXXX XXXX Code 392.101 requires that debt collectors be licensed to operate in XXXX. I demand proof of your licensing status with the XXXX XXXXXXXX XXXX XXXX XXXX XXXX. If you are not licensed, you are prohibited from collecting this debt in XXXX, and any attempts to do so violate state law. 
XXXX XXXX and XXXX XXXX to 15 U.S.C. 1692c ( c ) and XXXX XXXX XXXX XXXX, I request that you cease all communication with me, my employer, or any third parties regarding this alleged debt, except as required by law to provide the requested validation. Any further contact, including phone calls, emails, or social media messages, before providing validation will be considered harassment under the FDCPA and XXXX. I specifically demand that you do not contact me by phone at my home or workplace. All communication must be in writing and sent to the address listed above. 
XXXX XXXX Disputes If you have reported this alleged debt to any CRAs, you are required to notify them that this debt is disputed, as per 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( b ). Failure to report this dispute to the CRAs is a violation of federal law. I have also filed disputes with XXXX XXXX and TransUnion, requesting a reinvestigation of this account under 15 U.S.C. 1681i ( a ). 
E-OSCAR, OCRA, and Metro 2 Compliance Your reporting of this debt must comply with E-OSCAR, OCRA, and Metro 2 standards, which require accurate, complete, and verifiable information. The vague reporting of this account ( e.g., Closed : XXXX XXXX and lack of transaction history ) suggests non-compliance with these standards. I demand that you provide documentation demonstrating that your reporting adheres to these protocols. If the information can not be verified, you must immediately delete this account from my credit file and notify all CRAs accordingly. 
Statute of XXXX XXXXXXXX XXXX XXXX XXXXXXXX and Remedies Code 16.004, the statute of limitations for most debts in XXXX XXXX XXXXXXXX years from the date of the last payment or acknowledgment of the debt. If the last payment on this account was made more than XXXX years ago, this debt may be time-barred, and you are prohibited from pursuing legal action to collect it. I request confirmation of the last payment date and the date of delinquency to determine if this debt is within the statute of limitations. 
Reservation of Rights Under UCC 1-308 I reserve all my rights under UCC 1-308 , performing any obligations under protest and without prejudice to my rights. Any response to this letter or further action by XXXX XXXX XXXX will be construed as acceptance of these terms. 
Next Steps and Consequences of XXXX You have XXXX  days from receipt of this letter to provide the requested validation and address the inaccuracies outlined above, as required by XXXX XXXX. XXXX ( b ). Failure to comply XXXX result in : * A complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX  Attorney Generals Office for violations of the FDCPA and XXXX. 
* A lawsuit for statutory damages of up to {$1000.00} per violation, actual damages, and attorney fees under 15 U.S.C. 1692k and XXXX XXXX Code 392.403. 
* A request for deletion of this account from my credit reports due to unverifiable or inaccurate reporting under 15 U.S.C. 1681i ( a ).

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