Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, ( XXXX ) for their failure to comply with my requests for information regarding a debt they claim I owe. I have made several attempts to resolve the matter and requested critical documentation that I believe is necessary to verify the legitimacy of the debt and the authority of the collection agency. 
1. Failure to Provide Requested Information : On XXXX XXXX, I sent a written request to XXXX ( XXXX XXXX XXXX ) asking for the following documents : -The original purchase agreement, stating they owe the debt and contract that shows I am responsible for the debt. 
- Proof that they are legally authorized to collect debt in the state of Colorado. According to the NMLS consumer access they are not licensed to collect any debt in the state of Colorado -Permissible purpose Despite these requests, [ Collection Agency Name ] has failed to provide any of the requested documentation or respond to my inquiry in a timely manner, and Still report this debt they have failed to provide any documentations for to my credit reports which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) 2. Lack of License to Collect Debt in Colorado : Additionally, I have reason to believe that [ Collection Agency Name ] is not licensed to collect debt in my state of [ Your State ]. Under the Colorado Fair Debt Collection Practices Act ( C.R.S. 12-14-103 ), a collection agency must be licensed to operate in Colorado. When I requested the agencys license number, they failed to provide this information, which further substantiates my belief that they are not in compliance with state law. 

3. Request for Removal of Collection Entries : Given these violations, I request that you take appropriate action to have all collection entries related to XXXX that XXXX ( XXXX ) to remove from my credit report, as they have failed to validate the debt and are not properly licensed to collect in my state. 
I am requesting that the CFPB investigate this issue thoroughly and take any actions necessary to ensure that this collection agency is held accountable for their unlawful practices. 
Summary of Complaint : XXXX XXXX XXXX ( XXXX ) failed to provide the requested documentation, including the original purchase agreement and proof of licensing to collect debt in my state. 
XXXX XXXX XXXX does not appear to be licensed in the state of Colorado to collect debts. 

- I request the removal of all collection entries from my credit report associated with this agency due to their failure to comply with the law. 
I have attached copies of all relevant correspondence and supporting documentation for your reference. 
-which is the letters I have sent on XXXX XXXX Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. Please let me know if you need any additional information from me.

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