Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to you in reference to the following : Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX  Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Reason : Miscellaneous Account Name : CONNS Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Miscellaneous Account Name XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : Miscellaneous Account Name : XXXX  Account Number : XXXX Reason : Miscellaneous Account Name : XXXX  Account XXXX : XXXX Reason : Miscellaneous Account Name : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX : Miscellaneous Account Name : XXXX XXXX  Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Miscellaneous Account Name : XXXX  Account Number : XXXX Reason : Miscellaneous Account XXXX : XXXX  Account Number : XXXX Reason : Miscellaneous Account XXXX : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX  Account XXXX : XXXX Reason : Miscellaneous Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Reason : Miscellaneous Account Name : XXXX  Account Number : XXXX Reason : Miscellaneous Account Name XXXX XXXX XXXX Account Number : XXXX Reason : XXXX Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name XXXX XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX  Account Number XXXX XXXX Reason : Miscellaneous Account Name : XXXX  Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX  Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name XXXX XXXX  Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX  Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name XXXX XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX  Account Number : XXXX Reason : Miscellaneous Account Name XXXX XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt. 

I have enclosed copies of my requests to the collection agency, asking them to validate my debts. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

I look forward to an uneventful resolution of this matter. 

Sincerely, 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