Consumer complaint received 2019-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently filed a CFPB complaint on : XXXX XXXX XXXX thats current on my Transunion and XXXX credit report. 
This collection agency replied with a statement stating, I quote. 

The laws are also very clear that requests made within the first 30 days of an account placed in collection have requirements. Those outside of that time frame do not. 

Now according to the FDCPA : If you fall delinquent on an account, it's likely that your debt will either be assigned or sold to a CA. The newly assigned CA will make the initial contact ( either by phone or mail ) to let you know that they are collecting your debt. 
The FDCPA requires that within five days of a CA initially notifying you that they are collecting your debt, they must send you an written notice containing these five things : FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing 1 the amount of the debt ; 2 the name of the creditor to whom the debt is owed ; 3 a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 4 a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and 5 a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Also stated according to FDCPA : Know that until a CA validates your debt with adequate proof, they can not collect the debt, contact you about the debt, or report your debt with the credit reporting agencies. If the CA has reported your debt to the credit bureaus before you sent them a Debt Validation letter, the CA is not allowed to verify or re-report the debt with the credit bureaus. If a CA has done any of the following, they are in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

As I have continuously stated for the record for over 25 months of repeated disputes to Transunion and XXXX, I was never contacted once this unknown delinquent account was place in collection by the original creditor, XXXX XXXX XXXX fail to notify me in the year of XXXX with a initial written letter or phone call once the negative account was Acquired by assignment or purchased as required by Law. 

Going back to all my disputes on record in XXXX, XXXX, that I can prove you receive it is clear you are in violation allowing this Collection Agency to continue their unfair negative reporting and absolutely deceptive practices to collect a debt. 

Therefore, this explains why XXXX XXXX XXXX repeatly wants to attach me to this debt by my initial phone call requesting the validity of the debt one year later after they acquired the debt and violated my rights according to FDCPA by immediately reporting the debt to the credit bureaus in XXXX without any initial written notification or phone call to make me aware of this unknown debt as required by FDCPA. And FTC. 

And for the record : XXXX has DELETED this account 7 months ago. 
XX/XX/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