Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXX Attn : Customer Relations Department XX/XX/XXXX Re : 1. I have no knowledge of this account XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing regarding the above-referenced account. Please note that I am not disputing the validity of the debt. However, I kindly request the following information for my records : The date of first delinquency on the account. The date of the last payment made. The date the account was charged off. The chain of assignment, including all entities that have owned or managed this account. I appreciate your assistance in providing this information to ensure my records are accurate. Please provide these details in writing at your earliest convenience. 
XXXX. I have no knowledge of this account XXXXXXXX XXXX XXXXXXXX Account Number : XXXX * * * * * * * * I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281 SW 715 419 I May Prusume that no proof of the alleged Debt, nor therefore any such debt in fact exists XXXX. I have no knowledge of this account XXXXXXXX XXXX XXXX Account Number : XXXX * * * * * * * * I am writing regarding the above-referenced account. Please note that I am not disputing the validity of the debt. However, I kindly request the following information for my records : The date of first delinquency on the account. The date of the last payment made. The date the account was charged off. The chain of assignment, including all entities that have owned or managed this account. I appreciate your assistance in providing this information to ensure my records are accurate. Please provide these details in writing at your earliest convenience. 
XXXX. I have no knowledge of this account XXXX XXXX XXXX. 
Account XXXX : XXXX * * * * * * * I am writing regarding the above-referenced account. Please note that I am not disputing the validity of the debt. However, I kindly request the following information for my records : The date of first delinquency on the account. The date of the last payment made. The date the account was charged off. The chain of assignment, including all entities that have owned or managed this account. I appreciate your assistance in providing this information to ensure my records are accurate. Please provide these details in writing at your earliest convenience.

To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!

1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.

My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Equifax, Experian, and Transunion ), this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the fair credit reporting Act, Violation of the Fair Debt Collection Practices Act, And Defamation of Character. If your office fails to reply within 30 days from date of your receipt all instances related to this account must immediately be deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance to my request will also be constructed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court cost and attorney fees if I am forced to bring this matter before a judge. 
Please respond accordingly

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