Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX XXXX XX/XX/XXXX VIA CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Formal Debt Validation Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing regarding alleged debts that have come to my attention from your office. I am formally requesting validation of these debts in accordance with the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ), and all applicable state laws. 

Additionally, I would like to remind you of the Zombie Debt law passed in XXXX, which prohibits debt collectors from attempting to revive time-barred debts without proper disclosure. If any of these alleged debts fall into this category, any attempt to collect or report them without full disclosure may be considered a violation of federal and state laws. 

To clarify these matters, please provide the following for each of the above-referenced accounts : 1. Creditor Information : The name and address of both the original creditor and the current creditor, as required under 15 U.S.C. 1692g ( a ) ( 2 ). 
2. Debt Verification : Documentation verifying the amount you claim I owe, including an itemized breakdown of the principal, interest, late fees, and any additional charges, along with proof of a valid contract establishing this debt ( XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ). 
3. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of each debt from the original creditor to your agency. Under UCC 9-619, a valid transfer statement is required for assigned debt ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ). 
4. Bulk Sale Documentation : If any of these debts were purchased in a bulk sale transaction, provide evidence that my specific accounts were included, as per FTC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX. XXXX ). 
5. Proof of Securitization : Evidence that any of these debts were securitized by the original creditor, as required under TILA ( 15 U.S.C. 1601 et seq. ), including any assignment to a secured trust and details of subsequent transfers.

6. Assignment Details : Documentation of any assignments of these debts from the original creditor to any third party, as required under 15 U.S.C. 1692g ( b ) to ensure all collection actions are lawfully authorized.

Cease Collection Until Validation is Provided Until you have provided the requested validation, I respectfully request that you cease all collection activities related to these accounts. Per 15 U.S.C. 1692g ( b ), collection activities must be suspended until verification is provided. Failure to comply may be considered a violation of the FDCPA and subject to statutory penalties.

Credit Reporting Notice Additionally, please refrain from accessing my credit report or reporting these disputed debts to any credit bureaus. If any of these alleged debts have already been reported, I request that my dispute is clearly noted, as required under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ). Continuing to report inaccurate or unverified debts may result in civil liability under 15 U.S.C. 1681n.

Permissible Purpose Please clarify the permissible purpose under which you accessed my credit information. FCRA ( 15 U.S.C. 1681b ) mandates that access to a consumers credit file must have a legitimate and lawful purpose. Unauthorized access may result in civil liability per 15 U.S.C. 1681q.

Transfer or Sale of Debt If you choose to transfer or sell these accounts to another agency, please inform them of my dispute regarding these alleged debts. Under 15 U.S.C. 1692e ( 8 ), failure to disclose a disputed status when transferring or selling a debt may constitute misrepresentation and deceptive collection practices.

Thank you for your attention to this matter. I look forward to your prompt response within 30 days, as required under 15 U.S.C. 1692g ( b ).

Best regards, XXXX 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