Consumer complaint received 2025-02-20 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: MI

Complaint narrative:
To Whom It May Concern, I am writing in response to your correspondence regarding the alleged debt associated with XXXX XXXX XXXX XXXX. Your response claims that the balance of {$580.00} is correct, and that it was validated using the last 4 digits of my Social Security Number and my signature. However, I dispute this debt and the adequacy of your validation based on the following legal grounds : 1. Violation of 15 U.S.C. 1692g Debt Validation Requirements Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), a debt collector must provide : A clear and complete validation of the debt, including a breakdown of the amount owed ( principal, interest, fees ). 

Evidence that you have the legal authority to collect this debt on behalf of the original creditor.

Verification of my signature and documentation that clearly demonstrates my consent to this debt.

Your response only mentions the last 4 digits of my Social Security Number and a " signature '' without providing : A copy of the original contract or agreement with XXXXXXXX XXXX XXXX XXXX containing my full signature. 

Proof that XXXX XXXX XXXXXXXX is legally authorized to collect this debt. 

2. Violation of 15 U.S.C. 1692e False or Misleading Representations Under 15 U.S.C. 1692e, it is unlawful for a debt collector to use false, deceptive, or misleading representations to collect a debt. By claiming validation without providing actual proof of the debt, you are in violation of this statute. 

3. Failure to Provide Proper Validation as Required by Law Under 15 U.S.C. 1692g ( c ), if a consumer disputes a debt, the collector must cease collection until sufficient validation is provided. You have not provided : A detailed itemization of the debt, including dates of service and services provided.

Documentation that shows how the balance of {$580.00} was calculated.

Demand for Immediate Action Cease All Collection Activities Under 15 U.S.C. 1692g ( b ), you are required to immediately cease all collection efforts until proper validation is provided. 

Provide Complete Documentation, including : A copy of the original agreement showing my signature and consent to this debt. 

A detailed itemization of the debt amount, including all fees and interest. 

Proof of your legal authority to collect this debt. 

Immediate Deletion of This Account from My Credit Report If you can not provide proper validation, this account must be removed from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ).

Notice of Escalation and Legal Action If you do not comply with the above demands within 15 days, I will : Pursue legal action for willful non-compliance under 15 U.S.C. 1692k and 15 U.S.C. 1681n, seeking damages for unauthorized credit reporting and collection activities.

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