Consumer complaint received 2024-09-18 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: FL

Complaint narrative:
I am writing to you regarding the alleged debt referenced in the notice you sent me on [ date you received the debt notice ]. According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of the debt you claim I owe.

This is a formal dispute notice. I do not recognize or accept responsibility for the debt in question, and I will not make any payments until proper and sufficient validation of this debt has been provided, as stipulated by the FDCPA.

In order to validate this debt, I am requesting the following, as required by law : Proof that you, as the collection agency, are legally authorized to collect this debt on my behalf. This includes a signed contract between you and the original creditor demonstrating that you have acquired the rights to collect this debt. 
A copy of the original contract demonstrating my responsibility for the debt. This copy must be signed by me and show the terms and conditions under which I allegedly incurred this debt. 
A detailed statement of the current balance of the debt, including the original amount owed, all additional charges added ( such as interest, penalties, or agency fees ), and any other adjustments made since the debt was transferred to you. 
The complete payment history associated with the debt, including dates and amounts of all payments made to date, as well as any adjustments made by the original creditor or by you. 
The name and address of the original creditor. This includes the full name of the original entity with which the debt was incurred, not just the current creditor who may have purchased or received the debt.

Proof that the statute of limitations has not expired. If the debt is old enough, it may be outside the legal timeframe for debt collection in my jurisdiction. Provide the exact date on which the debt originated and justify that it is still within the legal timeframe to be collected. 
While this debt is in dispute and has not been properly validated, I request that all collection activities against me cease in accordance with my rights under the FDCPA, and that no further collection actions be reported to credit reporting agencies until proper validation is provided. 
Furthermore, please be aware that any additional attempt to collect on this debt without proper validation will be considered a violation of the FDCPA, and I reserve the right to take legal action if the law is not followed. 
Please send me all requested information in writing to the address listed above. Also, be aware that this is an attempt to protect my rights, and any further communication related to this debt should be made in writing. 
Thank you for your attention to this matter. I expect your response and full validation of the debt within the legally required timeframe, which is 30 days from the date of this letter. 
Sincerely,

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