Consumer complaint received 2020-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
Companies involved : XXXX XXXX XXXX Collection Agency XXXX XXXX Transunion vs XXXX XXXX : Summary : I XXXX XXXX had resolved this issue with XXXX XXXX XXXX back in XXXX. There are multiple phone calls and conversations recorded by XXXX XXXX XXXX. There managers assured me that this was payed, and this amount was due to a billing error in XXXX of XXXX. XXXX XXXX XXXX bills their customers a month in advance and this service bill was payed. I called to make sure of it and made two payments ; one on XX/XX/XXXX for the XX/XX/XXXX's service Bill and another payment on XXXX/XXXX to ensure that my account was paid. I also sent two separate payments in the fall from transferring out of XXXX XXXX XXXX due to their billing issues and their bullying billing tactics. This situation has now escalated to being reported on my credit report in XX/XX/XXXX.  There was no contact from either the collection agency or billing department from XXXX XXXX XXXX. I have requested that all certified mail or emails that were sent please be sent again with the time stamps attached of sending. This request was denied because it doesn't exist. The burden of proof belongs to XXXX XXXX XXXX to provide all the evidence in this case as they are the prosecretory party. 

Transunion didn't do its job correctly and go verify the data and billing information with XXXX XXXX XXXX ; instead they went to a third-party debt collector that states this information is correct. Of course, they say this is correct this is how they get paid. Transunion has an obligation to every citizen of the USA to  provide accurate and truthful data. Their obligation is to go to the source XXXX XXXX XXXX and request all the information that supports the defense case. This would be recorded phone calls with XXXX XXXX XXXX managers that state that this is a billing error and your account is in good standing. There would also be an obligation to obtain the last three billing statements from XXXX. XX/XX/XXXX-XX/XX/XXXX. There is also an obligation of Transunion to suspend this inaccurate and unlawful fraud being reported on my credit report until the investigation is complete. 

How do we know that this information wasn't obtained from the XXXX  hack and sold on the black market from the XXXX to collectors? XXXX, Transunion and XXXX all have a knew obligation to every USA citizen. The XXXX  data breach now puts our entire credit system at risk and they now need to go beyond a reasonable doubt to prove that these said charges are truthful. Again, the burden of proof lies on XXXX XXXX XXXX. Third party collection agencies are no longer a valid source to verify debt. Only the original creditor can report on my credit report. I immediately demand that this fraudulent debt be removed from my credit report. 

How is an account from XX/XX/XXXX put into collections on XX/XX/XXXX over 12 months after the account is closed? 
This debt was a billing error corrected by managers and know an internal audit from XXXX XXXX XXXX has restored a debt that was never there. All XXXX XXXX XXXX  current creditor debts need to be reviewed by an external auditor. 

How is it that no communication was ever sent to XXXX XXXX regarding this debt before being placed on his credit report? 
This was reported on my credit report on XXXX of XXXX. There was no communication ever sent to XXXX XXXX before placing this on my credit report. No certified mail or verifiable emails were sent to XXXX. 

Why is it that XXXX XXXX XXXX can not provide past bills prior to this debt that clears up this situation? 
On XX/XX/XXXX I called XXXX XXXX XXXX about this asking them to release the notes on my account from past calls and to pull up recording of their managers and I speaking and verifying that this debt was a billing error. XXXX XXXX XXXX collection department refused to give up these calls and notes that prove this debt is due to a billing error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation