Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5260151

Complaint Overview

Complaint ID: 5260151

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: Information belongs to someone else

State: Illinois

ZIP Code: 60611

Date Received: 2022-02-24T12:00:00-05:00

Date Sent to Company: 2022-02-24T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XXXX XXXX XXXX has not validated my debt pursuant to 15 USC 1692g. Your claims are false and your company is in violation of the FCRA and FDCPA, as well as TILA. A statement is not a bill. I continue to assert there are billing errors 15 USC 1666. The credit reporting agencies are right to delete the account because under the FCRA they can only furnish a report in accordance with the consumers request. I request that you immediately stop reporting on my consumer report and my co-signers consumer report until you are able to accurately validate the debt. Pursuant to 15 USC 1692 ( g ) ( 4 ) Validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 20 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities. 15 USC 1692j states, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating XXXX is causing harm to both consumers, myself and my co-signer by furnishing such forms as described by 15 USC 1692j ( a ) and as such, shall be liable to the same extent and in the same manner as a debt collector is liable under 15 USC 1692k of the FDCPA. and is also liable under the FCRA and TILA. I am completing and submitting the paperwork to further assert this alleged debt is fraudulent. In the meantime, no late payments may be reported on my consumer report or that of my co-signer or that would be a violation of 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

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