Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am in an active XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX, filed XX/XX/XXXX ) with the U.S. Bankruptcy Court for the XXXX XXXX of XXXX. I have a hearing scheduled for XX/XX/XXXX, regarding a motion for hardship discharge or conversion to XXXX  XXXX. 
On XX/XX/XXXX, I received an unsolicited email from someone identifying himself as XXXX XXXX using the email address XXXX. The email claimed I owed a debt referenced as XXXX XXXX XXXX and demanded payment, stating the matter was in pre-litigation status. 
My Response and Debt Validation Request : On XX/XX/XXXX, I responded to this email, informing the sender that I am in active XXXX  XXXX bankruptcy and that any collection activity violates the automatic stay provisions of federal bankruptcy law. I requested the following debt validation information as required under the Fair Debt Collection Practices Act : 1. The creditor name 2. The account number 3. The amount owed 4. Documentation of this debt I also demanded that all collection activity cease immediately. 
Collectors Response : The sender responded later on XX/XX/XXXX, refusing to provide any of the requested validation information. Instead, the email stated : Please be advised that this account pertains to an online loan originally issued for an amount under {$1000.00}, and in such cases, the lender is not required to provide further documentation beyond what has already been submitted and verified through the court process. 
The email claimed that all loan records, transaction confirmations, and supporting data were formally presented to the courthouse by the lender when the case was filed but refused to identify the creditor, court, case number, or provide any documentation whatsoever. 
The email threatened that ignoring this communication or delaying settlement may result in enforcement measures being reactivated and demanded I confirm whether you wish to proceed with the settlement arrangement so this case can remain on hold outside of the courthouse. 
Violations of Federal Law : This collection activity violates multiple federal consumer protection laws : 1. Fair Debt Collection Practices Act ( FDCPA ) Violations : Failure to provide debt validation information upon request ( 15 U.S.C. 1692g ) False representation that the collector is not required to provide documentation Threatening action that can not legally be taken ( enforcement during bankruptcy stay ) Use of deceptive means to collect a debt 1. Bankruptcy Code Violations : Attempted collection activity in violation of the automatic stay ( 11 U.S.C. 362 ) Continued collection efforts after notification of active bankruptcy 1. Fraudulent Misrepresentation : Impersonation of an attorney ( use of attorney in email address ) False claims about court filings and legal requirements Refusal to identify the creditor or provide verifiable information Evidence This Is a Scam : 1. Legitimate attorneys do not use XXXX accounts for official legal correspondence 2. No creditor matching this description appears in my bankruptcy schedules 3. No proof of claim has been filed in my bankruptcy case under this reference number 4. The purported case reference number does not match any standard court filing format 5. The sender refuses to provide basic information that any legitimate collector must provide 6. The legal claims made are false and inconsistent with federal debt collection law Verification Efforts : I have reviewed my bankruptcy petition and schedules filed on XX/XX/XXXX, and confirmed that no creditor matching this description was listed. I have also checked the PACER docket for my bankruptcy case and found no proof of claim filed under the referenced case number. I have forwarded this matter to my XXXX  XXXX Trustee, XXXX XXXX , for investigation. 
Impact on Consumer : This fraudulent collection attempt has caused me significant emotional distress during an already difficult financial crisis. I am currently unemployed with no income and am seeking a hardship discharge from bankruptcy. This scam appears designed to exploit vulnerable bankruptcy filers who may be intimidated into making payments on nonexistent debts. 
I am particularly concerned that this scammer may be obtaining information about recent bankruptcy filings from public court records and targeting filers with fraudulent collection demands during a period when they are most financially and emotionally vulnerable. 
What I Want : 1. Investigation of this fraudulent debt collection operation 2. Enforcement action against the individual ( s ) operating this scam 3. Public warning to other consumers about this fraud scheme 4. Confirmation that I have no obligation to respond to or pay this fraudulent claim 5. Protection from further contact by this fraudulent collector Supporting Documentation : I have retained complete copies of all email correspondence with full headers showing the senders email address and timestamps. I can provide additional documentation including my bankruptcy filing, schedules, and correspondence with my XXXX  XXXX Trustee upon request. 
I request that the CFPB investigate this matter thoroughly and take appropriate enforcement action to protect other consumers from this fraudulent debt collection scheme. 
Respectfully submitted,

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