Consumer complaint received 2018-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XX/XX/2018 I disputed an inaccurate account with Transunion the account which is XXXX XXXX XXXX # XXXX. Transunion investigated and it came back verified. In XXXX I sent in a certified letter to Transunion for a Method OF Verification. This is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Transunion via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 Transunion received the letter ( METHOD OF VERFICATION ) on XX/XX/2018,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that Transunion completed their investigation with the account XXXX XXXX XXXX XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Transunion have violated my rights and need to remove the account from my credit, I am filing a small claims for the non-compliance and violation of the FCRA. This is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file. A debt is not valid unless there is an original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the company. Transunion violated laws and my rights and refused to send me what I Requested. Per the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your company. Transunion received the certified  METHOD OF VERFICATION Letter from me. They still refused to send me what I am entitled too ... this is not right,,, delete it please off my credit file,, is not right to violate my rights to what I am entitled to,,, I have enclosed the copy of the letter and the certified letter mail receipt and the delivery notification,, I Should have got the METHOD OF VERFICATION. I was entitled to see that information so they refused to send it. You are not asked to delete the account or I am entitled to damages from this company for the non-compliance I am taking this to court if not removed a.s.a.p. I AM ALSO PROVIDING PROOF FROM XXXX THAT THEY WAS IN THE SAME VIOLATION OF MY RIGHTS AND LAWS AND FCRA, XXXX  REMOVED A ACCOUNT FROM MY FILE DUE TO THEM NOT SENDING MY METHOD OF VERFICATION AND TRANSUNION IS IN VIOLATION ALSO. I HAVE ENCLOSED A COPY OF XXXX RESONSE TO MY COMPLAINT WITH THE CFPB ON THEIR NON COMPLIANCE FOR METHOD OF VERFICATION.

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