Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX is contacting me about an alleged debt, and I've never entered into a legal agreement with them. They are continuously emailing me to encourage me to enter into a legal agreement with them. They are reporting fraudulent information on my credit report. YOU ( TRANSUNION ) were supposed to FULLY verify that this information was completely VERIFIABLE and ACCURTE according to XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and the FCRA. 

ACCOUNT NUMBER BEING REPORTED : XXXX Be advised that verification is defined ( XXXX XXXX XXXX XXXX XXXX XXXX ) as follows : " Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition ''. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. 9. The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15-1601 et. seq and Regulation Z. 10. The actual records of the organization or other governmental unit showing that any, and all documents/instrument ( s ) containing my SIGNATURE or likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt. 

?? So, explain to me how you fully verified this debt when they didnt even provide a verified UNALTERED, FULL legal agreement with my signature nor a " Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition ''. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party??? Affirming Accuracy : Just as a pleading must be true under penalty of perjury, the data in a consumer report must be verifiably accurate under the requirements of the Fair Credit Reporting Act ( FCRA ). Legal Consequences : Failure to verify information accurately can result in liability, whether it's in legal proceedings or under the consumer protection laws. 

Another thing to note ; Pursuant to 15 U.S.C-1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that you provide such verification/validation and supporting evidence signed ( under oath ) and certified under penalty of perjury to substantiate your verification. Until the requirements of the Fair Debt Collections Practices Act have been complied with, this debt is verified/validated, you have no consent to continue any reporting of this alleged 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