Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In reference to report investigation with XXXX report number XXXX and TransUnion XXXX XXXX XXXX XXXX trustee/authorized representative XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Account XXXX : XXXX NOTICE OF CONDITIONAL ACCEPTANCE UPON DEBT VALIDATION Dear Sir or Madam : I am writing in response to your recent communications regarding the alleged debt associated with the account referenced above. Please take notice that I dispute the validity of this alleged debt, and I am prepared to consider any claim only upon proper debt validation. 

In order to proceed, I require that you furnish me with complete and indisputable evidence of the alleged debt within 30 days of your receipt of this letter. Specifically, please provide : XXXX. An itemized statement detailing the full amount of the alleged debt, including a breakdown of the principal, fees, interest, and any additional charges. 
XXXX. A complete copy of the original contract or agreement under which I allegedly incurred this debt. 
XXXX. Proof of your legal authority to collect on this alleged debt, including documentation showing any chain of assignment or transfer. 
XXXX. Any additional documents or evidence necessary to verify the legitimacy of the alleged debt. 

Until you provide the requested documentation, I do not acknowledge any financial obligation. Any further attempt to enforce collection without proper validation will be considered a violation of my rights under applicable federal and state law. 

Sincerely, XXXX XXXX XXXX, trustee/authorized representative XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Re : Account Number : XXXX NOTICE OF FEE SCHEDULE FOR FUTURE COMMUNICATIONS Dear Sir or Madam : This letter serves as formal notice that, effective immediately, any further communications regarding the disputed alleged debt will be subject to an administrative fee schedule. In the absence of providing the full and proper validation of this debt ( as requested in my previous correspondence ), please be advised that the following fees will be imposed on any subsequent communications initiated by your agency : {$230.00} per written correspondence These fees are intended to recoup the administrative costs incurred due to your unverified communications. Should I be forced to pursue legal action, I will also seek recovery of these fees, along with any additional damages and attorney fees permitted by law. 

To avoid the imposition of these charges, please ensure that any further communication is both necessary and substantiated by complete validation of the alleged debt. 

Sincerely, XXXX XXXX XXXX, trustee/authorized representative XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Account Number : XXXX NOTICE OF CEASE ACTION AND LEINING PROOF Dear Sir XXXX Madam : I am writing regarding the alleged debt associated with the above account number. Due to your failure to provide adequate proof validating this debt, I hereby demand that you immediately cease all collection activities, reporting, and any enforcement actions until you furnish leining proof. 

For the avoidance of any misunderstanding, leining proof shall include : 1. Document

ation establishing any lien, security interest, or encumbrance that your institution claims is related to the alleged debt. 2. Evidence of your legal authority, including a clear chain of title or assignment that supports any lien or collateral claim against my property.

3. Any other documentation necessary to confirm the legitimacy and enforceability of the alleged lien or security interest. 

Please provide the requested documentation within 30 days from your receipt of this letter. Failure to comply will require you to immediately cease all actions regarding this alleged debt, and any continued activity may result in legal action to enforce my rights under applicable law. 

Sincerely, XXXX XXXX XXXX, trustee/authorized representative XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Re : Account Number : number XXXX IRREVOCABLE ESTOPPEL UPON FAILURE TO PRODUCE PROOF OF CLAIM Dear Sir or Madam : This letter serves to notify you that if you fail to provide complete and verifiable proof of the alleged debt referenced above within 30 days of your receipt of this letter, you will be deemed irrevocably estopped from any further attempts to collect, report, or enforce this disputed claim. 

For your compliance, please provide the following documentation as proof of claim : 1. A comprehensive and verifiable account of the alleged debt, including an itemized statement of all charges.

2. A copy of the original contract or agreement evidencing the debt.

3. Documentation establishing your legal right and authority to collect this alleged debt, including any chain of assignment or transfer.

4. Any additional evidence supporting the validity and enforceability of the alleged debt.

If you are unable to meet these requirements within the allotted time frame, I consider this matter resolved in my favor, and you will be permanently precluded from any further collection efforts or legal proceedings in connection with this alleged debt. 

Sincerely, XXXX XXXX XXXX, trustee/authorized representative XXXX XXXX XXXXXXXX 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 explanation