Consumer complaint received 2024-09-17 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: MS

Complaint narrative:
I contacted the United States CONSUMER FINANCIAL PROTEECTION BUREAU ; I spoke with a representative who explained my rights and the fact that your firm has received NUMEROUS complaints regarding your procedures and compliance standards. The representative also pointed OUT that YOUR Firm IS REQUIRED BY THE FDCPA to PROVIDE all of the FOLLOWING information this is NOW FULLY REQUIRED by tort law precedent - Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, -- - F. 3d -- - ( 6th Cir. 2014 ), 2014 WL 3440174 ( 6th Cir. Mich. 2014 ). He also provided me with a link to their site where I took this information from verbatim and the procedure to report and initiate a regulatory action against your company for violation of the Fair Debt Collection Practices ACT! 

Please supply the information below because I believe that your firms handling of my payment and account information has been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 U.S.C. chapter. 41, subchapter. I 1601 et seq ). 

Provide verification and documentation that there is a valid basis for your firms charge-off of this debt. For example, can you provide a copy of the written agreement that created the requirement to pay and stipulates your terms for delinquent account? 

The amount and age of the debt, and specifically who this debt is assigned to : A copy of the last billing statement sent at the time of the transfer or allocation of the goods, services, or money associated with this debt. 

State the maximum delinquency and when it was charged-off. 

Tell me according to your records when this debt became due and when it became delinquent. 
Please provide the five personal identifiers associated with this account including full legal name, address of record, date of birth, zip code and Social Security number ( not truncated ). 

Identify the date of the last payment made on this account and the amount of that payment. 

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 

Please describe in detail your firms charge-off procedures as they apply under the SarbanesOxley Act of 2002 ( Pub.L. 107204, 116 Stat. 74 ).

If there have been any additional interest, fees, or charges added since the last billing statement, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the consumer agreement creating the debt or are permitted by law.

If there have been any payments or other reductions since the last billing statement, provide an itemization showing the dates and amount of each of them and how those reductions or payments were accrued in your firms charge-off procedure.

Provide an updated Terms of Service Agreement for this account including specific amended sections and why those sections were changed.

Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to Metro-2 compliance between your firm and your contracted reporting entity ( CRA ).

Include a comprehensive explanation of the process and description of who handles the data entry, how that information is transmitted and whether the data entry function is outsourced.

If your firm OUTSOURCES your METRO-2 data-entry provide the name, contact address and location of that firm.

Does the responsible data-entry firm or department prescribe to the International Organization for Standardization IOS 9000 standards for quality and if so what is the adjunct certification number and date?

Please describe how your firm ensures comprehensive accuracy and input of all consumer data into the Metro-2 format and if there have been any recent issues ( last 4 years ) with data consistency or breaches in information transmission quality reported to you under your firms CRB agreement with any Credit Reporting Agency .

Based upon information provided by at least one credit reporting agency, the probability of an end trace error in your report concerning the delinquency on this account is very high, therefore, please provide the LAST 4 Complete METR ) -2 updates submitted to all three Credit Reporting Agencies on this account ( In METRO-2 format including COMPLETE J-Segments and K-Segment with FULL End-Trace ).

If you fail to provide all parts and requests of the information or documentation I have asked for, please stipulate why to each request including the authorized party that is refusing to comply or make such information available. I will understand that you are unable to confirm or document your claims but the reason or motive must be made clear including the responsible party under the tort law precedents of Respondeat superior.

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