Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
# DEBT VALIDATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> **SENT TO : ** XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **AND TO : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX **Re : XXXX  Collection Account** **Account Number : XXXX **Alleged Amount : $ XXXX **Original Creditor : XXXX XXXX XXXX XXXX XXXXAccount Opening Date : XX/XX/XXXX XXXX XXXX XXXXLast Balance Update : XX/XX/XXXX, XXXX **AND** **Re : XXXX XXXX XXXX Collection Account*XXXX XXXX Number : XXXX **Alleged Amount : $ XXXX **Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXAccount Opening Date : XX/XX/XXXX, XXXX **Last Balance Update : XX/XX/XXXX, XXXX **Last Payment Date : XX/XX/XXXX, XXXX To Whom It May Concern : I am writing regarding the above-referenced accounts. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, that your claim is disputed and validation is requested. 

I notice that both accounts are currently showing on my credit report as collection accounts as of XX/XX/year>, and both contain remarks stating " Account information disputed by consumer. '' Despite my previous disputes, these accounts continue to negatively impact my credit. 

Under the FDCPA, I have the right to request validation of the debts you are attempting to collect. Therefore, I request that you provide me with the following information for BOTH collection accounts : 1. Proof that you are licensed to collect debts in Louisiana 2. Proof of your legal authority to collect this alleged debt 3. Verification of the complete chain of custody of this debt, showing all parties who have owned it from inception to present 4. A copy of the original signed loan agreement or contract between myself and the original creditor 5. Complete accounting of the alleged debt, including : - All interest and fees assessed - Dates and amounts of all payments made - Current interest rate and how it was calculated- Method used to calculate the current balance 6. Documentation showing you own the debt or are authorized to collect on behalf of the current owner 7. Name and address of the original creditor, if different from the current creditor 8. Documentation showing when the statute of limitations began on this debt and proof it has not expired under Louisiana law ( which provides a 3-year statute of limitations for most consumer debts under Louisiana Civil Code Article 3494 ) 9. Complete explanation of why these accounts remain marked as collection accounts as of XX/XX/year>, despite my previous disputes which are noted in the comments section of my credit report as " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' 10. For the XXXX  account ( XXXX ) : Documentation showing the relationship between XXXX  and XXXX XXXX XXXX XXXX, and proof of your legal right to collect this debt 11. For the XXXX XXXX XXXX account ( XXXX ) : Complete documentation of the purchase of this debt from XXXX XXXXXXXX XXXX XXXXXXXX, including the purchase agreement and specific details showing this debt was included in the sale

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