Consumer complaint received 2024-02-16 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:
TRANSUNION has allowed A ) an invalid debt be parked upon my consumer reporting file WITHOUT PROPER LICENSING IN FLORIDA. XXXX XXXX XXXX XXXX has an expired license. I have filed numerous complaints about this activity and the item remains. B ) A new debt collector has picked up said alleged debt and now SIMULTANEOUSLY parked on the consumer reporting file for the same alleged debt. I HAVE NOT RECEIVED ANY DEBT VALIDATION FROM CREDENCE and have challenged this, with no response. This is absolutely breaking the law. 

The only sufficient resolution is to remove BOTH alleged listings in its entirety. This violation of the FDCPA has significantly hurt my credibility and ability to obtain credit extended to me. 

I am writing to bring to your attention significant concerns regarding your practices, which appear to be in violation of the Fair Debt Collection Practices Act ( FDCRA ) and the Fair Credit Reporting Act ( FCRA ). The specific violations are supported by the following statutory references : 1. FDCRA Violations : 15 U.S.C 1692, Communications in connection with debt collection.

12 CFR 1006.30 ( a ) and ( b ), Other prohibited practices.

2. FCRA Violations : 15 U.S.C 1681 ( a ), Accuracy and fairness of credit reporting.

12 CFR 1006.6, Communications in connection with debt collection.

12 CFR 1006.30 ( a ), Required actions prior to furnishing information.

12 CFR 1006.30 ( b ), Prohibition on the sale, transfer, or placement for collection of certain debts.

12 CFR 1006.26, Collection of time-barred debts.

12 CFR 1006.34, Notice for validation of debts.

The Congress, in its findings under 15 U.S.C 1681 ( a ), emphasizes the importance of fair and accurate credit reporting for the efficiency of the banking system. It is crucial that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy, as stated in the legislative findings. 

The specific practices that raise concerns include, but are not limited to : Furnishing Information Without Prior Communication ( 12 CFR 1006.30 ( a ) ) : It has come to our attention that [ Debt Collector ] furnished information to consumer reporting agencies without engaging in prior communication with the affected consumers, as outlined in 12 CFR 1006.30 ( a ).

Improper Debt Placement ( 12 CFR 1006.30 ( b ) ) : There is evidence suggesting that [ Debt Collector ] has engaged in the sale, transfer, or placement for collection of debts that have been paid, settled, or discharged in bankruptcy, violating 12 CFR 1006.30 ( b ).

Time-Barred Debt Collection ( 12 CFR 1006.26 ) : [ Debt Collector ] has been observed attempting to collect time-barred debts and issuing threats of legal actions against consumers for such debts, which contradicts 12 CFR 1006.26.

Inadequate Validation Notice Practices ( 12 CFR 1006.34 ) : Our investigation indicates that [ Debt Collector ] has not adhered to proper validation notice practices, as required by 12 CFR 1006.34, thereby jeopardizing consumer rights.

We urge [ Debt Collector ] to review and rectify these practices immediately to ensure compliance with the FDCRA and FCRA. Failure to do so may result in further action.

How is a debt collector allowed to harass me and diminish my credibility through my consumer reporting file by reporting not only INACCURATE information, but without PROPER LICENSING ( XXXX ). The following laws IN ADDITION to the No Parking Rule Violation : FTCPA 1006.3a which prohibits an alleged debt from being parked on the consumer reporting file without permissible purpose have been violated : Florida Statute Chapter 559 States the following : 559.565Enforcement action against out-of-state consumer debt collector.The remedies of this section are cumulative to other sanctions and enforcement provisions of this part for any violation by an out-of-state consumer debt collector, as defined in s. 559.55 ( 11 ).

( 1 ) An out-of-state consumer debt collector who collects or attempts to collect consumer debts in this state without first registering in accordance with this part is subject to an administrative fine of up to {$10000.00} together with reasonable attorney fees and court costs in any successful action by the state to collect such fines.

( 2 ) A person, whether or not exempt from registration under this part, who violates s. 559.72 is subject to sanctions the same as any other consumer debt collector, including imposition of an administrative fine. The registration of a duly registered out-of-state consumer debt collector is subject to revocation or suspension in the same manner as the registration of any other registrant under this part. 
( XXXX ) In order to effectuate this section and enforce the requirements of this part as it relates to out-of-state consumer debt collectors, the Attorney General is expressly authorized to initiate such action on behalf of the state as he or she deems appropriate in any state or federal court of competent jurisdiction.

You are being put on notice as this violation has occurred. As stated above, the MNLS ID does not have proper licensing, or registration, in the state of Florida to collect any alleged debt. The only way to remedy this violation, for me the consumer, is to remove this alleged account IMMEDIATELY from my consumer reporting file. 

I have attached the previous complaints for reference.

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