Consumer complaint received 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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

Complaint:
In response to Transunion stating they are submitting a dispute for processing isn't what I am requesting. I have been disputing with Transunion for the last 6 months or so and I am requesting the documentation that they are receiving. What I am requesting is pretty XXXX and XXXX  and stated below from one of the letters sent in XXXX, XXXX. I am not asking for a reinvestigation, investigations have been going on for months and months now. I am now asking for the documentation you are receiving that is validating the fraudulent accounts. See explanations below. 


XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center PO Box XXXX XXXX, PA XXXX Attn : Customer Relations Department XX/XX/XXXX To Whom it XXXX Concern, I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. I requested an investigation because I feel that these items are not being reported legally. 

XXXX. The frequency of payments reporting is inaccurate XXXX  'XXXX XXXX  XXXX Account Number : XXXX The payment history needs to be updated. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please provide validation of the debt, or delete this account. 

XXXX. XXXX Account XXXX XXXX Account XXXX : XXXX Please provide validation of the debt, or delete this account. 

XXXX. XXXX Account XXXX XXXX Account number not listed 5. Validate Account XXXX XXXX Account XXXX : XXXX Please provide validation of the debt, or delete this account. 

Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
What certified documents were reviewed to conclude your investigation? 
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
What did it cost your company to obtain the documents needed to complete your investigation? 
Please provide proof of your timely procurement of certified documents. 
Did you speak directly to an agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
If yes to above : Who did you speak to? 
On what date? 
How long was the conversation? 
What was their position? 
What telephone number did you call? 
What is the name of the employee of your company that spoke directly to the above party? 
What is the position of the employee of your company that spoke directly to the above party? 
How long has that employee been employed by your company? 
What formal training was provided to this employee to investigate items of this kind? 
Was there any e-mail or written communication between members of your company and the above party? If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 
Please provide the date of the commencement of the delinquency. 
Please provide the specific date reporting that these items will cease. 

Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. 

My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. 

Please respond accordingly, IHAVE REQUESTED ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CUSTOMER CONTRACT. I HAVE UNDER THE FCRA XXXX SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIED INVALID ACCOUNTS MUST BE REMOVED. XXXX, TRANSUNION, XXXX HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOUS REPORTING OF FRAUDULENT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT ME.

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