Consumer complaint received 2024-05-09 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: GA

Complaint narrative:
I am writing to formally dispute the debt collection account associated with my name, currently held by XXXX XXXX this letter serves as my request for validation of the debt, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S. Code 1692g.

Under the FDCPA, I am entitled to receive validation of the debt, including but not limited to the following : 1. Full details regarding the original signed contract related to the alleged debt.

2. Proof of the debt 's existence and validity. 
XXXX. Evidence that XXXX XXXX is legally authorized to collect this debt. 

Additionally, I am contesting the accuracy of the information furnished to consumer reporting agencies by XXXX XXXX, as mandated by FCRA 15 U.S.C. 1681s- 2 ( A ) ( 1 ). This section prohibits the furnishing of inaccurate information to consumer reporting agencies. I assert that the information provided by XXXX  XXXX regarding my alleged debt is inaccurate and requires immediate correction. 

Furthermore, I must bring to your attention the violations of consumer privacy rights as outlined in 15 U.S.C. 1681 Section 602 A. This section grants consumers the fundamental right to privacy and mandates the safeguarding of personal information from unauthorized disclosure or misuse. XXXX XXXX failed to uphold these obligations by disclosing sensitive personal information without proper notice or consent. 

Moreover, under 15 U.S. SECTION 6802, XXXX XXXX is obligated to provide consumers with prior notice before disclosing nonpublic personal information to nonaffiliated third parties. The failure to provide such notice, as well as the absence of an opt-out mechanism, constitutes a violation of my privacy rights and statutory provisions. 

In light of these violations, I am entitled to seek civil liability under 15 U.S. Code 1681n for willful noncompliance. This provision imposes penalties on entities that knowingly and willfully fail to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 
Therefore, I demand that XXXX XXXXXXXX promptly : Provide validation of the debt as requested under the FDCPA. 
Correct and update any inaccurate information furnished to consumer reporting agencies. 
Cease all further collection activities until the requested validation is provided and any inaccuracies are rectified. 

Failure to comply with these demands within the timeframe mandated by law will result in further legal action, including but not limited to filing a complaint with the appropriate regulatory authorities and pursuing civil remedies available under the FCRA. 

Please respond to this dispute in writing within 5 days of receiving this letter. All communication regarding this matter should be directed to the address provided above. 
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