Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Demand for Debt Validation and Removal of Inaccurate InformationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally demand immediate validation of the following accounts currently being reported on my credit file. As per the Fair Debt Collection Practices Act ( FDCPA ), Section 809, and the Fair Credit Reporting Act ( FCRA ), Section 1681i, I am requesting that you provide me with detailed documentation proving the accuracy and legitimacy of these accounts. Failure to provide the requested validation will result in the immediate removal of these accounts from my credit file.

Accounts in Question : XXXX. XXXX XXXX Account ( Account Number : XXXX ) XXXX. XXXX ( XXXX ) Account ( Account Number : XXXX ) XXXX. XXXX XXXX XXXX Account ( Account Number : XXXX ) I request that you provide the following documentation for each of these accounts : 1. Proof that I owe the debt, including the original signed contract or agreement, and full transaction history.

2. The amount of the debt, including any fees, charges, or interest added to the principal balance.

3. The name and contact information of the original creditor and any party that has made attempts to collect the debt.

4. Proof that you are authorized to collect on the debt if a third-party collection agency is involved, or that the creditor still owns the debt.

5. Any communication, records, or documents that validate your claim to this debt, as well as confirmation that the debt has not been settled, paid, or discharged.

I am fully aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which gives me the legal right to request full validation of any alleged debt before it is reported on my credit file. As outlined in FDCPA Section 809, if you are unable to provide the required documentation within 30 days from the receipt of this letter, you must immediately cease reporting this debt to the credit bureaus and remove it from my credit report.

Furthermore, under FCRA Section 1681i, you are obligated to investigate and ensure the accuracy of any information reported on my credit file. Failure to provide sufficient documentation or prove the accuracy of these accounts within the statutory time frame will result in the immediate removal of these items from my credit report.

Please be advised that continued reporting of these unverifiable and inaccurate accounts will be considered a violation of my rights under both the FDCPA and FCRA, and I will take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General 's office.

This is a formal request for debt validation, and I expect a prompt response within the legally required 30-day period. Failure to provide the requested information will result in the immediate removal of these accounts. 
Sincerely, XXXX XXXX Formal Demand for Immediate Removal of Inaccurate InformationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally demand the immediate removal of the following accounts from my credit report. The continued reporting of these accounts is in direct violation of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws.

Accounts in Question : XXXX. XXXX XXXX Account ( Account Number : XXXX ) XXXX. XXXX ( XXXX ) Account ( Account Number : XXXX ) XXXX. XXXX XXXX XXXX Account ( Account Number : XXXX ) The presence of these accounts on my credit report is inaccurate, outdated, and/or unverifiable. As per Section 1681i of the Fair Credit Reporting Act, you are required to investigate and ensure the accuracy of the information reported on my credit file. I have already disputed these accounts with the creditors in question, and the failure to resolve this issue in a timely manner constitutes a violation of my rights.

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). If you fail to conduct a full investigation and remove these accounts within the statutory 30-day period as required by law, I will have no choice but to take further action, including but not limited to filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and the Office of the Attorney General in my state.

Additionally, under Section 1681e ( b ) of the FCRA, you are obligated to ensure the accuracy and integrity of all information on my credit report. These accounts do not meet that standard and should be immediately removed.

I request that you take the necessary steps to : 1. Investigate these accounts as per Section 1681i of the FCRA.

2. Remove the aforementioned accounts from my credit file within the statutory 30-day period.

3. Provide me with a written confirmation of the removal and an updated copy of my credit report showing the accurate status of my credit file.

Failure to comply with this request will result in legal action, and I will pursue any and all remedies available to me under the law.

This is a final demand for resolution, and I expect prompt action on this matter.

Sincerely, XXXX XXXX

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