Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Subject : Request for Immediate Removal of Fraudulent Debt and Violation of Consumer Rights To Whom It May Concern, I am writing to express my frustration and disappointment with the handling of the XXXX account on my credit report. I have repeatedly asked for debt validation for this account, but XXXX. XXXX XXXX ( XXXX XXXX XXXX ) has failed to provide any evidence of the debt or its validity, despite the fact that more than 30 days have passed. What is equally troubling is that TransUnion and XXXX have verified this debt without providing me with the required details of your verification process, and you have failed to uphold my consumer rights as required under the law.

Under the Fair Credit Reporting Act ( FCRA ) Section 1681i, you are required to conduct a reasonable investigation when a consumer disputes an item on their credit report. How could you possibly complete an investigation when the debt collector has not provided any proof of the debt or its ability to collect on it? This is a clear violation of my rights as a consumer. Furthermore, I have provided an FTC Identity Theft Report, which clearly shows this account as part of my identity theft claim. According to FCRA Section 605B, TransUnion and XXXX were legally obligated to block this fraudulent account from my credit report within 4 days of receiving this report, but instead, you ignored the law and chose to forward the dispute to the collection agency, allowing them to verify a debt that they are legally required to validate. 

You have allowed a fraudulent debt to remain on my credit report and have not adhered to the law that protects me as a consumer. The debt collection agency in question is not complying with their own legal obligations, which raises the question : how can you expect them to accurately verify a debt that they havent validated in over 30 days? Furthermore, I find it completely unacceptable that TransUnion and XXXX have not done its part to protect me as a consumer. How have you kept me safe as required by law?

I demand that you immediately remove this account from my credit report. You are in violation of my rights under the FCRA, Fair Debt Collection Practices Act ( FDCPA ), and Regulation V, and if this issue is not resolved promptly, I will pursue legal action for damages caused by your failure to adhere to the law. This includes potential claims for emotional distress, reputational damage, and any financial harm caused by this inaccurate reporting.

You are legally required to respond to this request within 15 days of receipt of this letter. Failure to do so will result in further legal action to address these violations. Please consider this letter a formal notice of my intention to seek damages if this issue is not rectified. 

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 non-monetary relief