Consumer complaint received 2024-10-13 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: MO

Complaint narrative:
THIS IS AN OFFICIAL " CERTIFIED '' NOTICE TO TRANSUNION : TransUnion violates 15 USC 1692g that was sent to XXXX XXXX XXXX XXXXXX/XX/year>. TransUnion fraudulently at that time would not allow consumers the ability to upload documents to their website even though there was a link to do so. After speaking with their representative they confirmed the consumer had to send in documentation via XXXX mail. XXXX failed to " validate '' the debt within the XXXX timeframe, the information was successfully sent to XXXX and XXXX complied with the XXXX and removed the debt. 
TransUnion is also in violation of 15 USC 1692c, they have stated in writing to XXXX 's office that they communicated with the debt collection without my knowledge and provided documentation to them verifying my home address without my consent. 

" XXXX CFPB amended the mandated FCRA Summary of XXXX Rights that consumer reporting agencies must provide consumers whenever there is a consumer request for disclosure of the consumer 's file. '' I'm now being contacted by XXXX different debt XXXX : XXXX and XXXX XXXX XXXX XXXX XXXX attachment ). 

Per FDCPA " ... it is illegal for the same debt to be with XXXX different collection agencies at the same time, as this violates consumer protection laws like the Fair Debt Collection Practices Act ( FDCPA ) which prohibits unfair debt collection practices. '' TransUnion is the ONLY credit reporting agency that's allowing XXXX to negatively report on my report while simultaneously XXXX XXXX XXXX XXXX attempting to collect for the same debt. 

Under 15 U.S. Code 1692d, TransUnion is currently actively assisting XXXX and Credit Control XXXX XXXX, abusing, and causing trauma and ignoring the Federal XXXX Data Breach by allowing multiple XXXX to attempt to collect a debt I stated I do not owe. 

TransUnion also initially ignored my disputes with XXXX XXXX when they failed to notify me of a debt I had a RECEIPT for. TransUnion allowed this collector to put this collection on my report without any proof of notifying me and/or without them " validating '' the debt with a wet signature, aka a physical copy of my signature and a contract with them. XXXX also put it in writing to the XXXX office that was 'contacting TransUnion. ' TransUnion is aware that XXXX was unable to " validate '' this debt and they are assisting this collector and XXXX XXXX XXXX XXXX XXXX Debt Collection Practices Act ( FDCPA ), which states, " If a debt collector can not validate a debt and then sells it to another collector, it can be considered a violation, particularly if the selling collector, which is XXXX  fails to disclose the lack of validation to the new collector, potentially violating the " false or misleading representation '' " This falls under the general provisions of 15 U.S.C. 1692e which prohibits deceptive or misleading practices in debt collection. TransUnion is being deceptive and XXXX is being deceptive to me the consumer and XXXX XXXX XXXX XXXX 

Also, per the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section XXXX o XXXX states I have the right to privacy ( 15 USC 1681 ( section XXXX a section XXXX ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; which TransUnion has done.

It is apparent that TransUnion has partnered with XXXX or they have a vested interest or are above the law in assisting the debt collector ; " A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section. '' They are free to educate and look it up themselves.

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