Consumer complaint received 2023-06-29
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: Their investigation did not fix an error on your report

Complaint:
Transunion and XXXX : Account : XXXX/ XXXX XXXX XXXX Account : XXXX XXXXXXXX Disputing updated claims. 
These accounts have been inaccurately reporting on my credit report and NEED TO BE DELETED IMMEDIATELY. The first dispute was brought to my attention as verified, however both agencies have TRIED and also advised about the updates on these accounts but somehow they are still reporting inaccurate information on my credit profile! I wonder why?? Are these investigations ACCURATELY being investigated?! MULTIPLE times these accounts have been updated, although my dispute request was for them to be removed due to inaccuracy yet no ACCURATE resolution has been done. I have attached XXXX of my credit reports before and after these disputes to show proof of the inaccuracy upon multiple attempts of disputing. As you can see TRANSUNION has now separated the XXXX XXXX '' account so were unable to compare the inaccuracies. TRANSUNION has also removed the account number and changed the creditors name as it was listed differently previously. These investigations are misleading and becoming stressful. Now I am asking for IMMEDIATE PROOF of these investigations listed below or I DEMAND these accounts be DELETED not in 30 days but IMMEDIATELY! 

Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined?

While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. 

Thank you for your time and cooperation.

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 non-monetary relief