Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXXXXXX XXXX XXXX XXXX  Transunion Attempted to do it on Website /Declined it ( see proof attached ) Disputed by Mail TransUnion Consumer Relations XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Transunion once again Failed to Complete my Disputes and correct my Credit report File Number : XXXX I- Request for Proof or Immediate removal of the Collection account in my credit report in Compliance Credit Reporting Laws and Regulations II- Notice of Formal Dispute The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

Pursuant to FCRA section 611 ( a ) ( 2 ) ( A ) and section 609 ( c ) ( 1 ) you Transunion are required initiate and complete a thorough investigation and to provide me ALL information, Documentation and proof gathered during your investigation ) on this inaccurate account *** Pursuant to 15U.S.C. 1618 et seq, Transunion exceeded the time of 30 days to complete the dispute or delete the inaccurate information It has been over 85 days since my first dispute and 60 days from my second dispute of this False /inaccurate / improper / derogatory information on my credit report with Transunion On XX/XX/XXXX XXXX Transunion Updated this False /inaccurate account as Accurate on My credit report without conducting an investigation and without providing the results of investigation without providing ALL documentations associated with investigation Transunion used a sneaky scheme replying to My complaint with CFPB before completing the investigation, before providing the result of the investigation and before providing ALL documents associated with this investigation. Transunion did so Intentionally to close the complaint with CFPB before completing the investigation or Removing the False/inaccurate account from my credit report. 

In accordance with the Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients.

Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], provide clear and accurate consumers information : Pursuant To Fair Credit Reporting Act, 15U.S.C. 1618 et seq, I am requesting that the information regarding my personal information and accounts disputed be verified Or REMOVED from my credit report In accordance with the Fair Credit Reporting Act it is my belief that among many issues depicted below you Transunion have violated my rights under 15 USC 1681 602 I have the right to privacy pursuant to 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 


Under 15 USC 1666 b Transunion may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

In accordance with Disclosures to consumers [ 15 U.S.C. 1681 et seq, I request that the information regarding this account be Verified by Transunion with ALL documents requested below or Removed Information on file ; sources ; report recipients.

Pursuant To Fair Credit Reporting Act, 15U.S.C. 1618 et seq, I am requesting that the information regarding my personal information and accounts disputed be verified Or REMOVED from my credit report Pursuant to FCRA section 611 ( a ) ( 2 ) ( A
) and section 609 ( c ) ( 1 ) you Transunion are required to provide me ALL relevant information Documentation and proof gathered during your investigation Pursuant to FCRA section ( a ) ( 6 ) ( b ) ( ii ) if you choose Not to remove this disputed information than you are required to provide notice of your decision and include ALL documents used during the investigation Transunion Repeatedly Refused Remove the inaccurate personal information from my credit report cousin emotional distress as well as financial distress Transunion Repeatedly failed to provide an option for me to dispute the incorrect information on Line, thus costing me additional money ( paper, ink, mailing fee, postage fee ) ****Please Remove his Inaccurate information as being in Dispute from my credit report Immediately as you Failed to XXXX XXXX XXXX XXXX Please DELETE Account # XXXX Balance {$1400.00} Please DELETE I have no knowledge of this collection account XXXX Failed to Validate this debt .Request for Documentation in Compliance with CFPB Debt Collection Regulations. I Request for Documentation in Compliance with Fair Debt Collection Practices Act ( FDCPA ) Supporting Document File Size Document Type Attached XXXX Dispute Dollars XXXX CFPB XXXX XXXX KB Other relevant documentation Transunion FAILED and once again REFUSED to remove account from my credit report even though Creditor failed to Validate this debt. 

Transunion FAILED and once again REFUSED to provide any of the documents listed below : ****Pursuant to 15 usc 1692g I demand Transunion to Provide proof and ALL documentation for its in depth investigation on this Inaccurate information/Account or Remove it from my credit report Immediately, Including but not limited to : 1. My signature on the contract for this debt 2. Chain of title for this debt 3. Chain of title that gives XXXXXXXX XXXX legal authorization to collect on this debt 4. Detailed list of the payment history made by me on this account 5. Any and ALL insurance claims filed on this debt 6. Original signed contract that shows I am responsible for this debt 7. My credit application for this debt 8. Provide verification and documentation about why this is a debt that I am required to pay To XXXXXXXX XXXX 9. Proof that you have the legal authority to collect on this debt XXXX. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : 1. A copy of the last billing statement sent to me by the original creditor. 

2. State the amount of the debt when you obtained it, and when that was.

3. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.

4. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 

5. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law..

6. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when the statute of limitations expires for this debt, and how you determined that. 

Details about your authority to collect this debt. 

1. Does your firm have a debt collection license from my state? If not, say why not.

2. If yes, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

3. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place?

4. If yes, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

Pursuant to 5U.S.C. 552 a ( i ) ( 3 ) i am requesting this disputed item to be removed from my credit report Immediately Since you have failed to comply with 5U.S.C. 552 a ( i ) ( 3 ) by failing to maintain my records with accuracy, relevance, timeliness and completeness as is necessary to guarantee fairness in any determination shall Not use such record What would be a fair resolution?

1- Transunion to provide all above described documents Immediately 2- If Transunion does not provide above documents to validate this debt Transunion to remove Immediately this negative improper inaccurate derogatory information from my credit report 3- Transunion be held accountable for - Inaccurate, false statement made in my credit report and refusing to remove them upon dispute - Damaging my reputation with the derogatory statements and refusing to remove them upon dispute - Punitive damages 4- Transunion be held accountable for refusing and failing to investigate this dispute / Failing to provide the results of investigation, Failing to provide documents of investigation and responding to my complaint with CFPB without resolving /validating / investigating my dispute 5- Transunion to be held accountable for exceeding the 30 days reply ( Transunion must investigate the dispute within 30 days ) 5- Transunion to be fully investigated and held accountable for praying on senior citizens like myself defrauding senior citizens like myself and getting away with it by not providing the documents as required to validate the False debt and removing false /inaccurate / improper / derogatory information from my credit report

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