Debt collection -- Written notification about debt -- Complaint #11888036
Debt Collector Fails to Provide Verification for Rental Debt on Credit Report
Complaint Overview
Complaint ID: 11888036
Company: Transunion Intermediate Holdings, INC.
Product: Debt collection
Sub-Product: Rental debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Tennessee
ZIP Code: 38125
Date Received: 2025-01-31T12:00:00-05:00
Date Sent to Company: 2025-03-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Risk Assessment
Risk Level: medium
The risk is medium because the consumer claims they did not receive adequate written notification to verify the debt, which is a common requirement in debt collection practices.
Consumer Sentiment: negative
Topics: Debt collection, Credit reporting, Rental debt
AI Analysis
CFPB complaint 11888036 was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. regarding Debt collection (Rental debt), specifically about "Written notification about debt". A consumer reported that a debt collection agency reported a rental debt to their credit report without providing sufficient written information to verify the debt. The complaint was received on January 31, 2025 from Tennessee. The company responded with "Closed with explanation".
Consumer Narrative
I left for XXXX after sending apartment complex my orders and a few months later the collection popped up on my credit report. It popped up XXXX XXXX, 2024 balance of {$590.00} XXXX XXXX XXXX Only action Ive taken is reporting it to the cfpb.
What You Should Do -- Consumer Action Plan
Consumers should always request written validation of any debt they are contacted about, especially if it appears on their credit report.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to provide specific information about a debt within five days of their initial communication.
Regulatory Insight
This case highlights the importance of collectors adhering to FDCPA disclosure requirements to avoid disputes and potential violations.
Resolution Likelihood
likely
State-Specific Consumer Protections
The consumer is located in Tennessee, and the debt collection activity occurred in that state.
Industry Comparison
This situation is common in the debt collection industry, where disputes over debt verification and reporting are frequent.
Related Issues
Frequently Asked Questions
What is CFPB complaint 11888036 about?
CFPB complaint 11888036 involves Debt collection (Rental debt). The consumer reported an issue with "Written notification about debt", specifically "Didn't receive enough information to verify debt". This complaint was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. on January 31, 2025.
Which company is complaint 11888036 filed against?
Complaint 11888036 was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC.. You can view all complaints against this company on their profile page at /company/transunion-intermediate-holdings-inc.
What was the company's response to complaint 11888036?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 11888036 filed?
Complaint 11888036 was received by the CFPB on January 31, 2025. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on March 21, 2025.
What state was complaint 11888036 filed from?
Complaint 11888036 was filed from Tennessee. You can view all complaints from this state at /state/TN.
Was the consumer satisfied with the resolution of complaint 11888036?
Dispute information is not available for complaint 11888036.
What product category is complaint 11888036 about?
Complaint 11888036 is categorized under "Debt collection", specifically "Rental debt". This is one of the product categories tracked by the CFPB.
How was complaint 11888036 submitted?
Complaint 11888036 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 11888036?
The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to provide specific information about a debt within five days of their initial communication. This relates to a Debt collection complaint against TRANSUNION INTERMEDIATE HOLDINGS, INC. involving "Written notification about debt".
How likely is complaint 11888036 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 11888036?
This complaint is rated as medium risk. The risk is medium because the consumer claims they did not receive adequate written notification to verify the debt, which is a common requirement in debt collection practices.
What regulatory actions apply to complaint 11888036?
This case highlights the importance of collectors adhering to FDCPA disclosure requirements to avoid disputes and potential violations. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 11888036?
Consumers should always request written validation of any debt they are contacted about, especially if it appears on their credit report.
Are there state-specific protections for complaint 11888036?
The consumer is located in Tennessee, and the debt collection activity occurred in that state. This complaint was filed from Tennessee.
How does complaint 11888036 compare to industry norms?
This situation is common in the debt collection industry, where disputes over debt verification and reporting are frequent.
What specific information must a debt collector provide in writing to validate a debt?
Under the FDCPA, a debt collector must provide the amount of the debt, the name of the creditor to whom the debt is owed, and a statement that unless the consumer disputes the validity of the debt within 30 days of receiving the notice, the debt will be assumed to be valid by the debt collector.
What steps can a consumer take if they believe a debt collector has not provided proper validation?
A consumer can dispute the debt in writing with the debt collector and request validation. They can also file a complaint with the CFPB and consider consulting with a consumer protection attorney.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.