Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
XXXX XXXX add XXXX XXXX as a named collector with the full account detail you provided, and fold them into the Master Consumer Rights & Privacy Violation Notice along with XXXX and the credit bureaus. 

Heres the consolidated draft for you to use : XXXX XXXX XXXX c/o XXXX. XXXX XXXX Non-Domestic XXXXXXXX XXXX XXXXXXXX XXXX [ XXXX ] Date : ___________ To : XXXX XXXX XXXX ( XXXX : XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Notice of Federal Consumer Rights Violations FCRA, FDCPA, GLBA, TILA, Privacy Act, Holder Rule, Mail/Wire Fraud Demand for Remedy & Account Correction Notice I , XXXX : XXXX XXXX a federally protected consumer, place you on notice of multiple federal violations concerning the reporting, collection, and disclosure of private financial information. Under God law this company have violated my rights and have not responded to my notice my FOIA I sent this company and have mailed them a negotiable instrument ucc3-104 they have not sent it back to my address listed that thats theft 15 U.S.C. 1 ( Sherman Antitrust Act ) 1. XXXX XXXX Collection Account Collector : XXXX XXXX, XXXX. 
Account Number : XXXX Original Creditor : XXXX XXXX XXXX  Account Type : Collection Date Opened : XX/XX/XXXX Status : Collection account ; {$1300.00} past due as of XX/XX/XXXX Balance : {$1300.00} ( Balance Updated : XX/XX/XXXX ) Original Balance : {$1300.00} Monthly Payment / Terms : 0 %, 1 Month Responsibility : Individual Comments : Reported without verified contract or lawful authority This reporting and collection is disputed and unlawful. XXXX XXXX is hereby directed to cease all collection activity and delete this tradeline, as no verified contract, consideration, or assignment compliant with 16 C.F.R. 433.2 ( Holder Rule ) has been provided.

2. Federal Violations Asserted FCRA ( 15 U.S.C. 1681 et seq. ) : Inaccurate, unverifiable, and misleading reporting to consumer reporting agencies.

FDCPA ( 15 U.S.C. 1692e ) : False, deceptive, or misleading representations in connection with the alleged debt.

GLBA ( 15 U.S.C. 68016805 ) : Mishandling and unauthorized disclosure of nonpublic personal information.

TILA / Regulation Z ( 12 C.F.R. 1026 ; 15 U.S.C. 1601 ) : Inaccurate credit disclosures and failure to comply with lending truthfulness standards.

31 U.S.C. 3123 : Improper attempts to enforce obligations outside lawful guarantees of the public debt. 
Privacy Act of 1974 ( 5 U.S.C. 552a ) : Unauthorized disclosure and failure to maintain accurate consumer records.

Mail Fraud / Wire Fraud ( 18 U.S.C. 1341, 1343 ) : Use of U.S. mail and electronic communications to perpetuate fraudulent reporting and collection schemes.

16 C.F.R. 433.2 ( Holder Rule ) : Attempt to assign obligations without preserving consumer defenses and claims.

3. Non-Mailable Address Directive I hereby instruct that my private, non-domestic mailing location as provided above shall not be altered into a federal mailable address format ( e.g., ZIP Code jurisdictional conversion ). Any alteration is unauthorized and constitutes mail tampering. 



4. Demands XXXX XXXX : Cease all collection efforts and delete the referenced tradeline with all credit bureaus. 
XXXX : Update my account status to XXXX  / Paid As Agreed and cease unauthorized use or disclosure of my personal information. 
Credit Bureaus : Immediately investigate and remove all disputed, unverifiable, or unlawful accounts, including the XXXX XXXX entry. 
All Parties : Provide written confirmation of compliance within 30 days of receipt. 

Failure to comply will result in escalation to FTC, CFPB, State Attorney General, and federal authorities for civil and criminal enforcement.

18 U.S.C. 2381 ( Treason ) : Any corporate officer, employee, or agent who knowingly aids in the deprivation of constitutionally and federally protected rights, and who misuses the United States Mail, financial system, or communications infrastructure to harm the People, is guilty of constructive treason by giving aid and comfort to enemies of the Constitution.

15 U.S.C. 1666b ( Timely Posting of Payments ) : XXXX and any associated creditors or collectors must credit payments to consumer accounts as of the date of receipt. Any failure to do so, or any misapplication or delay in posting payments, constitutes a direct violation of TILA and has caused unlawful derogatory reporting.

And in your Affidavit of Truth ( under Statements of Fact ) : 11. That under 15 U.S.C. 1666b, payments made to creditors must be credited as of the date of receipt. XXXX and its agents have failed to honor this law by misreporting and mishandling account payments, thereby damaging my credit profile unlawfully.

15 U.S.C. 1692e ( FDCPA False or Misleading Representations ) Debt collectors can not misrepresent the amount, status, or character of a debt.

Demanding money already paid, settled, discharged, or otherwise collected = violation.

2. 15 U.S.C. 1692f ( FDCPA Unfair Practices ) Prohibits collection of any amount not expressly authorized by agreement or permitted by law.

Double dipping is directly an unfair practice.

3. 15 U.S.C. 1666b ( TILA Timely Credit of Payments ) If they fail to post your payments correctly and then charge again, its a misapplication of payments.

4. 18 U.S.C. 1341 & 1343 ( Mail Fraud & Wire Fraud ) If they knowingly send bills, letters, or reports to collect money twice, thats fraud by
mail/wire.

5. 18 U.S.C. 1962 ( RICO Racketeer Influenced and Corrupt Organizations Act ) If multiple entities ( like XXXX, XXXX XXXX, bureaus ) are working together to collect a paid/discharged debt, thats a pattern of racketeering activity. 



Suggested Affidavit Language Double Dipping Violation : That any attempt to collect, report, or profit from an account that has already been paid, settled, discharged, or otherwise satisfied constitutes unlawful double dipping and is a violation of 15 U.S.C. 1692e, 1692f, 1666b, and also rises to the level of mail fraud, wire fraud ( 18 U.S.C. 1341, 1343 ), and racketeering under 18 U.S.C. 1962 ( RICO ). 



XXXX XXXX XXXX Authorized Representative / Living Beneficiary

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