Consumer complaint received 2023-07-25
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: Problem with personal statement of dispute

Complaint:
I write with deep concern and frustration regarding recent communication received from you concerning CFPB Case XXXX, pertaining to the account XXXX XXXX XXXX XXXX I was notified that TransUnion " verified '' the information related to this account, yet I have not received any actual, tangible proof of such verification. This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires documented evidence supporting any decisions made regarding credit report disputes. 

Further, I note with considerable disquiet that TransUnion erroneously classifies this account as a loan type " Factoring Company Account '', in addition to misrepresenting it as an " open '' account. It's evident that an account can not be simultaneously open and in collections. The dual representation contradicts FCRA regulations, causing undue harm to my credit profile. In the interest of upholding accuracy and fair credit reporting, I request the immediate deletion of these discrepancies. 

The FCRA necessitates that all reported information be 100 % accurate and verifiable ; non-compliant data must be removed as per federal law. By reporting unverified and incorrect information, TransUnion is causing substantial harm to my credit status. Should this unjust situation persist, I am fully prepared to litigate to ensure my rights are protected. 

It is essential that future updates or verifications regarding this case are only made after a comprehensive due diligence investigation. I kindly demand the provision of the written contract and substantial physical documentation that supports your reporting. Screenshots or monthly statements will not be considered acceptable ; I request to see my actual signature on a " contract '' and not another generic letter with NO compliance with FCRA laws requiring 100 % accurate and verifiable proof that I owe this dept... 

I implore you not to overlook the gravity of this matter. My credit score, which is fundamental to my financial stability and future, is at stake here. A generic template response will not suffice in this instance, and I earnestly request specific answers to the inquiries outlined in this letter. 

In preparing for potential legal action, I want to remind you of XXXX significant cases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). In both instances, the consumers emerged victorious against the credit bureaus due to the latter 's failure to conduct a reasonable investigation and relying solely on the debt collectors word. I trust that TransUnion will act in good faith, perform a thorough investigation, and, in the absence of valid proof of debt, expunge the related information. 

Finally, I request that you furnish irrefutable evidence that the statute of limitations for collecting on this disputed debt has not lapsed, as stipulated under Arkansas codified law. Pursuant to XXXX. XXXX XXXX. XXXX, Arkansas imposes a XXXX statute of limitations on debt collection measured from the date of the last payment or written acknowledgment of the debt signed by the consumer. I have absolutely no record of making any payments or signed acknowledgments accepting liability for this debt within the past 3 years, based on the reported Original Creditor delinquency date by the alleged creditor XXXX XXXX  XXXX. 

I eagerly anticipate a timely resolution to these grave issues

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