Consumer complaint received 2024-11-11 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Debt Validation Request Account Number : XXXX Dear XXXX XXXX XXXX, I am writing to request validation of the debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt that you claim I owe. This is not a refusal to pay but a request for validation of this alleged debt. 
Please provide me with the following information : Proof that I owe this debt : Please provide the name and address of the original creditor and a detailed explanation of the amount owed, including the original amount, any interest, fees, or other charges added to the debt. 
Verification of your right to collect this debt : Please provide a copy of the contract or agreement that you have with the original creditor that authorizes you to collect this debt on their behalf. 
Complete payment history : Provide a complete payment history from the original creditor, including all charges and payments made on this account, so I can identify the validity of this debt. 
Proof of your license to collect in my state : Provide documentation that you are licensed to collect debts in my state and that your company complies with the relevant laws governing debt collection. 
Until I receive the requested information, I will not consider any payment towards this debt. Additionally, please cease all communication regarding this debt except for providing the information requested above.I look forward to your prompt response. 


Sincerely, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Notice Account Number : XXXX Dear XXXX XXXX XXXX, I am writing to formally request that you cease all communication with me regarding the above-referenced debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to ask you to stop contacting me, and I am exercising that right. 

Please be advised that any further communication from your company, except as required by law, will be considered a violation of the FDCPA, and I will not hesitate to pursue all available legal remedies. 

This letter is not an acknowledgment or validation of the debt, nor does it indicate a willingness to pay. I request that you provide no further contact regarding this matter, except to confirm that you are honoring this request or to notify me of any specific action you intend to take, as allowed under law. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief