Debt collection -- Written notification about debt -- Complaint #5187238
Complaint Overview
Complaint ID: 5187238
Company: Transunion Intermediate Holdings, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Indiana
ZIP Code: 46038
Date Received: 2022-02-05T12:00:00-05:00
Date Sent to Company: 2022-02-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On or about XX/XX/2021 Transunion was mailed a letter Notice of Dispute ; Demand for Validation and Proof of Claim. Stating Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract. Transunion sent consumer a letter XX/XX/2021 requesting that the reporting company XXXX XXXX and XXXX XXXX verify the accuracy of the information being disputed. XXXX XXXX requests and demands from XXXX XXXX & XXXX SERVICES verifiable proof of the " original instrument of indebtedness '' which is an original contract signed with wet ink between XXXX XXXX and XXXX XXXX XXXX XXXX also demands XXXX XXXX & XXXX XXXX to produce the account and general ledger statement showing the FULL ACCOUNTING of the alleged debt obligation XXXX XXXX & XXXX XXXX is attempting to collect ; signed and sworn by the person responsible with fiduciary duty to maintain these records associated with the account and having first hand- knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. Demanding the original instrument of indebtedness for visual inspection of XXXX XXXX original wet ink signature on the promissory note " application '' ( not a photo copy ). XXXX XXXX demands that XXXX XXXX & XXXX XXXX provide a statement admitting whether they are the holder in due course or whether XXXX XXXX is the servicer. This is not an attempt to not pay or avoid payment, but a conditional acceptance upon proof of claim. XXXX XXXX would like to settle the matter upon conditions previously stated within this statement. TRANSUNION provided a response letter XX/XX/2021 stating " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. '' In accordance with FCRA 611 ( a ) ( 7 ) This is NOT a request for a reinvestigation of the previous dispute. This is a request for a Method of Verification where the following items should be provided to ensure the validity and accuracy of the account ( s ) with XXXX XXXX & XXXX XXXX. Provide any and all documentation used to VERIFY account ( s ). On XX/XX/2021 XXXX XXXX & XXXX XXXX sent a letter stating that they had completed the investigation and the items were not deleted, as requested. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), XXXX XXXX & XXXX XXXX is required to forward all of the relevant information XXXX XXXX provided in this CONDITIONAL ACCEPTANCE. Please provide consumer with all of the information TRANSUNION used for their investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested.
Frequently Asked Questions
What is Complaint #5187238 about?
Complaint #5187238 was filed against Transunion Intermediate Holdings, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2022-02-05T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.