Consumer complaint received 2025-03-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX To whom it may concern I am writing to formally dispute the validity of an alleged debt that your company, XXXX XXXX XXXX, has reported to the credit bureaus under my name. The information reported contains discrepancies across the three major credit reporting agenciesTransUnion, XXXX, and XXXXwhich raises concerns about the accuracy and legitimacy of this debt. 

Discrepancies Noted : TransUnion : XXXX XXXX as the original creditor with a balance of {$3300.00}. The account was opened on XX/XX/XXXX and last reported on XX/XX/XXXX. The account status is listed as open with remarks stating placed for collection. 
XXXX : Lists XXXX XXXX as the original creditor, with the account opened on XX/XX/XXXX and last reported on XX/XX/XXXX. 
XXXX : Indicates XXXX XXXX XXXX as the collection agency, with XXXX XXXXXXXX as the original creditor. The account number is partially listed as XXXX, opened on XX/XX/XXXX, and categorized under collections. Payment history shows collections from XX/XX/XXXX through XX/XX/XXXX, with data unavailable for other months. 

The inconsistencies in the creditors name, the lack of uniform account numbers, and the absence of consistent payment history across these reports are concerning and may constitute violations under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Request for Validation : Pursuant to my rights under the FDCPA, I request that you provide comprehensive validation of this alleged debt. Specifically, please furnish the following : XXXXDetailed Account Information : The exact amount of the debt, including an itemization of fees and interest accrued. 
XXXXCreditor Identification : The full name and contact information of the original creditor. 
XXXXDocumentation : Copies of any contracts, agreements, or other documents bearing my signature that substantiate the legitimacy of this debt. 
XXXXLicensing Information : Proof that XXXX XXXX XXXX is licensed to collect debts in the state of South Carolina XXXX 
XXXXCredit Reporting Actions : Evidence that you have informed the credit reporting agencies that I am disputing this debt, as required by the FDCPA. 

Cease and Desist Collection Activities : Until you provide the requested validation, I demand that you cease all collection activities related to this alleged debt. Continuing collection efforts without proper validation may be considered a violation of the FDCPA and could result in legal action.

Potential Violations Noted : Misrepresentation : Reporting differing information to credit bureaus regarding the original creditor and account details may constitute false or misleading representations under the FDCPA.

Inaccurate Reporting : Failing to provide consistent and accurate information to credit reporting agencies may violate the FCRAs requirement for data accuracy.

Conclusion : Please treat this letter as formal notice that I dispute the validity of the alleged debt. I request that all correspondence regarding this matter be conducted in writing. Failure to respond adequately to this dispute may compel me to pursue further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the South Carolina Attorney Generals office, and considering legal remedies.

I anticipate your prompt attention to this matter and expect a response within XXXX days of receipt of this letter.

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