Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5240811
Complaint Overview
Complaint ID: 5240811
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: California
ZIP Code: 92705
Date Received: 2022-02-19T12:00:00-05:00
Date Sent to Company: 2022-02-19T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX NOTICE AND DEMAND FOR VALIDATION PURSUANT XXXX XXXX XXXX. CEASE AND DESIST PURSUANT XXXX XXXX XXXX ( XXXX ) FOR ACCOUNT XXXX To Whom It May Concern : I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an Alleged account that you can not prove is mine. You have violated my consumer rights under the Fair Debt Collection Practices Act ( XXXX ) XXXX XXXX ( XXXX ) XXXX Validation of debts. You { XXXXXXXX XXXX XXXX } failed to validate this alleged debt. I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe. This Cease and desist include but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY. XXXX XXXX XXXX ( XXXX ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. If proper validation of this alleged debt is not provided within XXXX calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. XXXX XXXXXXXX [ XXXX XXXX XXXX ] Legal actions by debt XXXX ( XXXX ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( XXXX ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( XXXX ) in the case of an action not described in paragraph ( XXXX ), bring such action only in the judicial district or similar legal entity -- ( XXXX ) in which such consumer signed the contract sued upon ; or ( XXXX ) in which such consumer resides at the commencement of the action. ( XXXX ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the XXXX XXXXXXXX XXXX even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney. XXXX XXXX [ XXXX XXXX XXXX ( XXXX ) ( XXXX ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. With all that was said above, for each VIOLATION of the XXXX that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : XXXX XXXX [ XXXX XXXX XXXX ] Civil liability ( XXXX ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( XXXX ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Your Options are as follows : XXXX ) Delete this account and cease and desist with all collection activities ; XXXX ) Settlement ; or XXXX ) We go to court and you incur lawyer fees, plus pay me Actual damages plus legal fees Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #5240811 about?
Complaint #5240811 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-02-19T12:00:00-05:00.
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 (Credit reporting, credit repair services, or other personal consumer reports) 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.