Consumer complaint received 2024-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to dispute an account related to XXXX XXXX XXXX and XXXX that I do not recognize. I have previously disputed this account multiple times without resolution. 

Details : Account in Dispute : XXXX XXXX XXXX Original Creditor : XXXX Amount in Dispute : XXXX Actions Taken by Me : Disputed the account on XX/XX/year> Requested verification or additional information on [ date ( s ) ] [ Any other relevant actions taken ] Actions Taken by the Company : Response or lack of response from XXXX XXXX XXXX Any communication received from XXXX on SOLD TO A COLLECTION COMPANY AND INACCUTE DATES 15 USC 1681 Fair Credit Reporting Act ( FCRA ) Protections Section 1681c Information Excluded from Consumer Reports This section outlines what information should not be included in a consumer report, such as XXXX  more than XXXX XXXX XXXX, civil suits or judgments more than XXXX XXXX XXXX, and records of arrest more than XXXX XXXX XXXX. 
Section 1681d Disclosure of Consumer Reports This requires that consumers must be informed about the contents of their credit reports, and specifies the procedures for accessing and obtaining their reports.

Section 1681e Responsibilities of Furnishers of Information This section requires companies that furnish information to credit reporting agencies to ensure that the information provided is accurate and to investigate disputes regarding inaccuracies.

Section 1681g Right to Know Whats in Your File This gives consumers the right to obtain a copy of their cre

dit report from a credit reporting agency, along with a list of anyone who has requested their credit report. Section 1681i Procedure in Case of Disputed Accuracy This section details the procedures for disputing inacc
uracies in your credit

report and requires credit reporting agencies to investigate disputes within a specific timeframe. Section 1681j Disclosures to Victims of Identity Theft This provides guidelines for consumers who are victims of identity theft to obtain information about the fraudulent accounts opened in their names. Section 1681k Users of Consumer Reports for Employment Purposes This section requires that if a consumer report is used for employm
ent purposes, the consumer must be notified and

must have the opportunity to dispute any inaccurate information. Section 1681s-2 Responsibilities of Furnishers of Information This section requires that furnishers of information to credit reportin
g agencies must have procedures in place to ensure the accuracy and integrity of the information provided.

Section 1681t Relation to State Laws This section explains how federal law interacts with state laws concerning credit reporting, often providing that federal law supersedes state laws in certain cases.

Section 1681u Disclosure of Address Information

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