Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Subject : Dispute of XXXX XXXX Collection Request for Debt Validation and Immediate Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am submitting this formal dispute regarding the XXXX XXXX collection account referenced above, which is inaccurately and unfairly being reported on my credit reports by TransUnion, XXXX, and XXXX. Despite my previous certified mail request to XXXX for validation, I have not received any response or supporting documentation. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX is required to verify the accuracy of all reported information and provide evidence of the debts validity. To date, XXXX has failed to comply with this obligation. 

I formally request the following : 1. Validation of Debt : Provide a wet-ink signature on the original agreement or contract demonstrating that I authorized this debt. 
Submit a complete account history with itemized statements detailing how the alleged amount was calculated. 
Confirm that XXXX is legally authorized to collect this debt, including proof of the forward flow agreement or other documentation transferring ownership or servicing rights. 
2. Cease Reporting : Until the requested validation is provided, XXXX must immediately stop reporting this account to TransUnion, XXXXXXXX XXXX XXXX 
3. Immediate Removal of this Account : As XXXX has failed to validate the debt or provide evidence supporting its accuracy, I demand the removal of this collection account from all credit reporting agencies. 

Additionally, I would like to bring to your attention that the Consumer Financial Protection Bureau ( CFPB ) has previously taken enforcement actions against credit bureaus for reporting inaccurate and unverified information. For example, in [ specific case examples, if known ], the CFPB penalized credit bureaus for violating consumer rights under the FCRA. I trust that the CFPBs oversight will ensure compliance in this matter as well. 

Failure to comply with this request constitutes a violation of the FCRA and related consumer protection laws. XXXX  lack of response to my prior communication and continued reporting of inaccurate information suggests negligence. Under Estoppel by Silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failure to validate this debt constitutes acknowledgment that this debt is invalid. 

If this matter is not resolved promptly, I will pursue the following actions : File additional complaints with the CFPB, FTC, and state regulatory agencies. 
Consider legal remedies for damages caused by this inaccurate reporting. 

I request a written response confirming the resolution of this matter, including the immediate removal of this collection account from my credit reports, within 15 business days.

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