Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX This record is false, inaccurate, and the result of an unethical attempt of this company to collect on debt that is not due. The lease was completed with this company nearly 4 years ago! The date of the account is not accurate XX/XX/XXXX. The XXXX XXXX XXXX changed management and they submitted this in an attempt to take advantage of the COVID laws, because obviously they were desperate for income. They falsified this and sold this debt to XXXX XXXX because they were not getting revenue due to the CARES ACT forbearance of rent payments.This is easy to prove, they never had any entitlement to more money from me. This false account was sold to them nearly 3 years after my business with the previous management was concluded. If Transunion had done a proper investigation they would have uncovered this. The status says Account XXXX. This is not true. I have no relationship with XXXX XXXX, never even had contact with them. I finished my lease in XXXX with the XXXX XXXX XXXXXXXX. The date XXXX XXXX, XXXX for balance update is not accurate. I don't have a balance, and none of this should be happening. Again this company is in the top XXXX of companies with most complaints because it always buys shady fake debt and harasses people. This record must be deleted for maximum accuracy as required by FCRA 15 USC 1681e. Its clear that this is not a fair practice. No contract or lease has ever been produced be either to confirm this to the CRAs instead you all are blindly taking the word of known fraudsters and deceptive businesses in order to keep my credit profile in sub-prime which allows you to make more money selling this inaccurate info to banks so that they can make more profits by charging more interest. You must delete this record. Your response will be saved and used. 

The law in case you don't want to look it up : 15 USC 1681e ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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