Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request for Removal of Collection Account Dear Sir/Madam, I am writing to dispute the collection account listed under my name, XXXX XXXX XXXX XXXX XXXX XXXX, which appears on my credit report. I am requesting that this collection be removed from my credit file within XXXX  days due to the following reasons : XXXX. Failure to Validate Debt ( Fair Debt Collection Practices Act - FDCPA, XXXX XXXXXXXX XXXX XXXXXXXX ) Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. To date, I have not received any verification or proper documentation to substantiate this debt. Therefore, I am requesting that you provide proof of the debt within XXXX  days of receiving this letter, as required by law. If you can not provide proper validation, you are legally obligated to cease collection efforts and remove the account from my credit report. 
XXXX. Reporting Inaccurate Information ( Fair Credit Reporting Act - FCRA, XXXX XXXXXXXX XXXX  XXXX ) According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers are required to report accurate information. If you fail to provide proof of the debt, I request that you immediately notify the credit bureaus to remove this collection from my credit history, as it constitutes inaccurate and unverifiable information under the FCRA. 
XXXX. Time-Barred Debt ( State Law and FDCPA, XXXX XXXXXXXX XXXX XXXXXXXX ) If this debt is beyond the statute of limitations in my state, then I request that this collection account be removed as it is considered " time-barred '' and can not be legally collected or reported. Please confirm the age of the debt and provide the relevant documentation. 
XXXX. Failure to Notify of Debt ( FDCPA, XXXX XXXXXXXX XXXX XXXXXXXX ( a ) ( XXXX ) ) Under the FDCPA, you are required to notify me in writing within XXXX  days of your initial communication about the debt. If you failed to provide this notice within the legal timeframe, then I request that the collection be removed from my credit report as a violation of my rights under the FDCPA. 
Since the debt remains unverified and the collection practices may violate the laws referenced, I respectfully request the immediate removal of this account from my credit report and cessation of all collection activities. I expect a response from your office within XXXX  days of receiving this dispute. 
Please consider this letter as my formal request for the removal of this collection account. If I do not hear from you within this period or if you are unable to provide the required documentation to substantiate the debt, I will take further action as permitted under the FDCPA and FCRA. 
Thank you for your prompt attention to this matter.

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