Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act, TransUnion has and continues to violate my consumer rights ; 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681eb In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA XXXX XXXX XXXX, XXXX, is required to promptly DELETE all information that is inaccurate, incomplete or which can not be verified. 

XXXX accounts from University XXXX XXXX XXXX with the SAME auto loan DEBT has been misreported on my credit report with TransUnion. University XXXX XXXX XXXX is currently being reported on my consumer report as a DUAL ENTRY, with the same account number. I have disputed both accounts with TransUnion multiple times with proof of certified mailed dispute letters and the accounts still remain inaccurately. I have requested several times for validation of proof for alleged debt on my credit report. You have not been able to provide me with a copy of written documentation proving this alleged debit belongs to XXXX and is valid. Therefore, you were required to delete the accounts from my credit report. However, you still have not. As a result of your noncompliance, I have been denied XXXX limit increases on my good standing credit cards that I currently have open. Additionally, you have failed to respond satisfactorily with a free copy of my credit report after the changes has been made. You willingly and knowingly are aware of the FCRA violations and continue to report both accounts on my credit report. 

They just furnish a statement stating the debt is valid, which proves nothing. The debt is valid for who? Where is proof of any alleged debt from University XXXX XXXX XXXX? 
TransUnion is reporting information with actual knowledge of errors and has willingly decided to disregard my dispute AND ignore my request for validation. 

TransUnion is XXXX University XXXX XXXX XXXX, Account # XXXX as a charged off account with the past due balance written off. Therefore, the debt was forgiven. Where is the repossession of deficiency balance letter/notice? This is sent to the consumer for a repossessed vehicle after the sale of the vehicle indicating and confirming the sale price of the repossessed vehicle from the auction or private sale, as well as the total loan balance at the time the vehicle was sold broken down. I did not receive this notice/letter. IRS defines a charge off as ordinary income and income doesn't get reported on a consumer 's credit report. XXXX XXXXXXXX XXXX XXXX took a tax write off for the balance, there should be no balance being reported. This very contradicting and illegal indicating to IRS that you are not receiving or seeking payment, yet a balance is still being reported inaccurately on my credit report. In addition, being that you are furnishing information that the balance is written off, where is the valid and certified Form XXXX, Cancellation of debt form? 
TransUnion continues to report this erroneous account on my credit report with continuous interest being charged.

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