Consumer complaint received 2023-03-16
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:
To whom it may concern I am very unhappy at the fact that there is inaccurate information on my credit report, and the credit reporting agencies have failed to submit sufficient proof to validate these inaccurate accounts. I have requested investigations to be conducted two times via mail with little to no response ; and have made several calls to initiate a proper dispute resolution. 
On XX/XX/XXXX, I mailed a debt validation request to Transunion, XXXX, and XXXX regarding accounts. 

XXXX XXXX : Account ending in XXXX XXXX XXXX : Account ending in XXXX XXXX XXXX : Account ending XXXX, XXXX XXXX : Account ending in XXXX, XXXX : Account ending in XXXX, XXXX XXXX : Account ending in XXXX, XXXX XXXX : Account ending in XXXX XXXX : Account ending in XXXX, U.S. Bankruptcy Court : Account ending in XXXX The accounts in question have inaccuracies and multiple variations such as reporting dates, balances, last payment posted, date account was last updated, and etc. 

Based on the regulations I have been studying on the FTC website, charge off accounts should be considered as dead accounts and no balances should be reporting. All the charge off accounts listed above have several variations that includes balances and report dates. 

After contacting the Bankruptcy Court, I was informed that they do not provide anyone with a debtors full social security number, and nor do they provide credit bureaus with any information relating to bankruptcy cases. In my response letter from the Bankruptcy Court, I was formally advised that The court does not report any filings to these agencies. The Fair credit reporting Act 6USC section 605 is the law that controls credit reporting agencies.

My concern is how was this Bankruptcy validated by the credit reporting agencies? Obviously, there was no contact made with the US Bankruptcy Courts, because this is the response that they would have provided them as well. 

The response I received both times was that all accounts were validated. On XX/XX/XXXX I resent a request for all three credit reporting agencies to provide supporting evidence and the steps they used to verify the accounts. Not one of these agencies provided any proof, neither were they able to confirm the methods used to validate these accounts. 
As a matter of fact, on XX/XX/XXXX I spoke to an agent at XXXX who stated and I quote Although we received your dispute request along with your documents, we ( XXXX ) will not be sending out a letter for this ( validate debt ) update. 

The second over the phone encounter on XX/XX/XXXX ; I spoke to XXXX at XXXX. She transferred me to her supervisor XXXX who stated, and I quote No documents will be sent, and then provided me with report number XXXX. That makes two separate interactions with XXXX ; both times denying me of my right to dispute and receive proof of validated information. I dont know if its a coincidence, but immediately after that call ; I received a notification that my Experian Advantage score had dropped. My score went from XXXX to XXXX ( roughly XXXX points ). I then called XXXX back on the same day, this time I spoke with another representative named XXXX. He assisted me in putting in a complaint because neither of us could understand the reasoning behind this drastic score decline which happen all in a matter of an one hour. The complaint number is XXXX. 

Similarly, XXXX and Transunion received my documents. However, they ignored the request for proof of verification as well. They simply returned my credit reports stating, all accounts have been updated. 

XXXX also stated the U.S. Bankruptcy Court account was verified through XXXX. Yet, on XX/XX/XXXX, I spoke with XXXX from XXXX ( agent ID XXXX ) and confirmed that my XXXX report has been locked since XX/XX/XXXX. She also reconfirmed the lock is still in place. 



Respectfully

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