Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Trasunion I am writing to request verification of the all collections charge offs and all negative and derogatory remarks and negative reports on my credit profile with your company XXXXXXXX Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of these debts. This is not a refusal to pay, but a request for proof that these collection companies are legally entitled to collect these debts thats on my report as charge offs and collections. The cases cited in the letter provide a legal basis to support my right to verify the debt before making any payments associated with my Social Security Number XXXX After reviewing the legal basis for the collection companies claim, I wish to formally dispute the validity of all debts charge offs collection accounts negative remarks on my credit report and provide clarification regarding the obligations associated with my SSN.

Under 18 U.S.C. 8, the term obligation or other security of the United States includes any bond, certificate of indebtedness, national bank currency, Federal Reserve note, or other financial obligation issued by the United States. Furthermore, the Social Security Number is an identifier issued by the Social Security Administration ( SSA ) and remains the property of the United States. Any financial activity or credit transaction linked to this identifying number does not inherently transfer personal liability to me as a private individual but constitutes an obligation of the United States. 

Additionally, 15 U.S.C. 3729 of the False Claims Act addresses fraudulent claims against the government. By asserting that this debt is personally attributable to me without adequate legal foundation or verification, you may inadvertently be implicating the federal government in an unauthorized claim. Any financial obligations tied to the use of a Social Security Number must be supported by explicit contractual evidence indicating personal liability, which I believe is absent in this case. 


In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that a debt collector is obligated to provide sufficient verification of the debt upon a consumers request. Therefore, I am requesting the following information : 1. Proof of Ownership : Please provide documentation proving that your agency legally owns or has been assigned this debt for collection.

2. Account Informaqtion : A detailed accounting of the original balance, interest rates, fees, and payment history to demonstrate how the current amount was calculated. Courts, including in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have determined that consumers have the right to sufficient information to understand the nature and amount of the debt being collected. 
XXXX. Original Creditor Information : Details regarding the original creditor, as per the requirements set forth in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which requires debt XXXX to provide enough information to make the debt identifiable. 
XXXX. Proof of Authorization to Collect : Any documentation proving that you are authorized by the original creditor to collect on this account, if applicable. 

Under FDCPA 1692g ( b ), I understand that collection activities must cease until verification of the debt has been provided. Continuing collection activities without verifying the debt may be considered a violation of the FDCPA, as held in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please send the requested documentation to my address within 30 days. If you are unable to provide this information, please remove any record of this debt from my credit file and cease all collection efforts, as stipulated under the FDCPA. 

Thank you for your attention to this matter. I look forward to receiving the requested verification documentation. Please remove all negative accounts all hard inquiries associated with my SSN that was also compromised in the XXXX XXXX data breach if you need further assistance in this matter i can be reached at the number or email I provided at the top of this letter. Also there is a FTC report two Ucc 1 filing statements highlighted inaccurate information on my credit that I also included. 


Sincerely, 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