Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the account under XXXX XXXX XXXX that has been reported on my credit file. This account is for a debt originally owed to XXXX XXXX XXXX XXXX, and the account in question was never consented to by me for collection by XXXX XXXX XXXX. I request that this account be deleted from my credit report due to the following violations of consumer protection laws. 

Account Details : Creditor Name : XXXX XXXX XXXX ( Collection Agency ) Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX ( last XXXX digits ) Balance : {$680.00} Date Opened : XX/XX/year> Status : Collection Account Account Status : Disputed by consumer Legal Violations : Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( Harassment or Abuse ) and Section XXXX ( Validation of Debts ) : XXXX XXXX XXXX has failed to provide proper debt validation upon my request. Under FDCPA Section 809, they must verify that they have the legal right to collect this debt. I have never received any documentation or proof that XXXX XXXX XXXX is authorized to collect on behalf of XXXX XXXX, nor have they provided any information to support their claim. The lack of consent or any written authorization for this debt to be placed with XXXX XXXX XXXX is a violation of consumer rights. 
Fair Credit Reporting Act ( FCRA ) Section XXXX ( Request for Information ) : Under FCRA XXXX XXXX, I am entitled to request and receive proof that a debt is legitimate and properly assigned to the collection agency. XXXX XXXX XXXX has failed to provide such proof, despite my request. Additionally, FCRA Section XXXX mandates that any creditor or collection agency that reports information to a credit reporting agency must ensure the accuracy of the information reported. Without proper documentation or proof, the information reported by XXXX XXXX XXXX is inaccurate and should be deleted from my credit report. 
Fair Credit Reporting Act ( FCRA ) Section XXXX ( Time Limits on Reporting ) : This account was reported as a collection from XXXX XXXX XXXX without my consent or knowledge, and FCRA XXXX XXXX restricts how long negative information can remain on your credit report. Inaccurate or unverifiable information, such as this collection account, is not allowed to remain on your credit file under the FCRA. 
Unauthorized Collection Actions Violations of Consent : XXXX XXXX XXXX has placed this account in collections without my consent, and they failed to provide any written agreement or contract authorizing them to collect on my behalf. Under FDCPA and FCRA guidelines, no collection agency is permitted to report or collect debt without explicit consent from the consumer and proper validation of the debt.

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