Consumer complaint received 2024-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint and request the immediate deletion of erroneous collections accounts reported by the following entities on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX I believe these accounts are inaccurate and should be removed from my credit report for the following reasons : 1. Violation of the Fair Debt Collection Practices Act ( FDCPA ) Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692, I am entitled to accurate and fair treatment by debt collectors. Each of the above-mentioned entities has failed to provide sufficient verification of the debt as required by law. Despite multiple requests, they have not provided the necessary documentation to prove that I am responsible for the debts they claim. 

Furthermore, the FDCPA prohibits the use of misleading or deceptive practices in the collection of debts. Given the lack of proper validation, these entities may be engaging in unlawful practices by continuing to report these debts to the credit bureaus.

2. Violation of the Fair Credit Reporting Act ( FCRA ) The Fair Credit Reporting Act, 15 U.S.C. 1681, requires that all information reported to the credit bureaus must be accurate, complete, and verifiable. I have disputed these accounts directly with the creditors and the credit reporting agencies, yet the inaccuracies remain. This failure to correct or remove erroneous information is a clear violation of the FCRA. 

3. Failure to Validate Debts Under the FDCPA, debt collectors are required to validate the debt upon request. I have sent multiple debt validation requests to these entities, and they have not provided adequate proof that the debts in question are valid, nor that they have the legal right to collect them. Without proper validation, these accounts should not be reported on my credit file.

4. Inaccuracies in Reporting Upon reviewing the details of these accounts, I have identified inconsistencies and inaccuracies that further question the validity of these debts. This includes discrepancies in the amounts reported, the original creditor information, and the dates of first delinquency. Under the FCRA, any information that can not be verified must be deleted from the credit report.

Request for Immediate Action Given the violations of the FDCPA and FCRA, and the failure of these entities to provide sufficient validation of the debts, I respectfully request that the CFPB investigate these matters and instruct the credit reporting agencies to remove the aforementioned accounts from my credit reports entirely.

I trust that the CFPB will take this matter seriously and ensure that my rights under federal law are upheld. I look forward to your prompt action in resolving this issue.

Thank you for your attention to this matter. 

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 non-monetary relief