Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am the victim of Identity theft. This account was first reported to the FTC and CFPB in XXXX XXXX and the company in question could NOT provide proof that this account and it was removed. The company in question has now sold this debt to another company and they are now trying to present it again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Attempt to collect a debt [ XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX ] Account # XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This letter is in response to your recent attempt to collect a debt from me. In accordance with my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g & 1692e ) and the Federal Trade Commission Act, I am formally requesting full and complete validation of this alleged debt. Until such verification is provided, you must cease all collection activity and refrain from reporting this debt to any credit reporting agencies.

To comply with federal law, please provide the following : 1. A copy of the original signed contract or agreement. Per the FDCPA 15 U.S. Code 1692g ( b ) and supported by the FTC guidelines, you are required to provide the actual documentation that establishes my legal obligation to this debt. I am requesting the original contract containing my signature that substantiates the validity and terms of this alleged debt. 

2. Letter of assignment or purchase agreement Under 15 U.S. Code 1692e ( 2 ) ( A ), misrepresenting the legal status of a debt is prohibited. Therefore, please provide a legitimate and dated chain of assignment or purchase agreement that proves your legal right to collect this debt. This must show that the rights were lawfully transferred from the original creditor to your agency, with all entities in between. 

3. Proof of my consent to share my personal information with your agency In accordance with the Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), it is unlawful to share a consumer 's personal information without consent. Please provide proof that I directly authorized the original creditor to release any of my personal identifiable information ( PII ) to your agency. 

4. Proof of my consent to share my information with any future third partiesAdditionally, under both the FTCA and FCRA ( 15 U.S.C. 1681b ), disclosure of personal data must be done with consumer consent or for permissible purposes. Please provide documentation showing that I gave written and informed consent for the original creditor to share or sell my information to any additional third parties.

This letter is a formal request for debt validation. Be advised that any further reporting of this account to the credit bureaus without proper validation may result in legal action. 
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 explanation