Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7080311

Complaint Overview

Complaint ID: 7080311

Company: Transunion Intermediate Holdings, INC.

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a credit reporting company's investigation into an existing problem

Sub-Issue: Their investigation did not fix an error on your report

State: Massachusetts

ZIP Code: 02368

Date Received: 2023-06-06T12:00:00-05:00

Date Sent to Company: 2023-06-06T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

On XX/XX/2023 A XXXX from XXXX XXXX XXXX XXXX XXXX, AL received a debt validation notice as this debt was on collection on my credit report. Transunion as also not responded with validation of debt. The company has yet to respond to notice but reported this as a collection item on my credit report causing damages to my credit and in violation of FCRA laws and did not report the debt was being disputed. I actually have a 13 year old account with XXXX and a current customer so this is a fraudulent debt which needs to b removed from my credit report. I have requested the company to provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed in accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt for this request for validation and proof of claim and they have yet to do so. 1. Name and address of alleged creditor. 2. Name and on file of alleged debtor. 3. Alleged account number. 4. Amount of alleged debt. 5. Date this alleged debt became payable. 6. Date of original charge off or delinquency. 7. Amount paid if debt was purchased. 8. Please attach a copy of any signed agreement with wet signature alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has contractual to pay debt collector. 9. Furnish a copy of original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424 B5 prospectus, RC-S & RC-B call schedules. 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for actions of Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Frequently Asked Questions

What is Complaint #7080311 about?

Complaint #7080311 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2023-06-06T12:00:00-05:00.

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.

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