Consumer complaint received 2023-02-04
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:
The account below, popped up out of my credit report within the last 60 days out of no where. I never received anything in the mail, email or telephone call from this company inquiring about an alleged debt they've purchased. The account being challenged is Account Name : XXXX XXXX XXXX Account Number : XXXX I've contacted them and asked them to verify the debt and they have yet to 'Verify The Debt '. Instead they sent me something in the mail and told me to pay a company named XXXX but there is not such company reporting on my TransUnion credit report and I don't know of any such company. 

Please note that I've tried to fix the following problem and TransUnion only responds will a stall letter to me stating that I am using a credit repair company, which I am not and they refuse to honor my dispute letter. Transunion needs to stop mailing me these stall letter templates just so their company can ignore consumer laws. 

TransUnion, please mail me an updated copy of my credit report via USPS mail based on the results of this challenge and don't answer this CFPB complaint stating you will contact me directly because when you do, all you do is mail the stall letter template with no challenge dispute results. 

XXXX  regulator and compliance guidelines for Credit Reporting Agencies using Metro 2 or Metro 4 formatting states the following guidelines on how accounts that were purchased from another company has to be reported and at this time the account noted above IS NOT FOLLOWING CDIA REGULATOR AND COMPLIANCE GUIDELIENS FOR CREDIT REPORTING AGENCIES USING METRO 2 AND METRO 4 WHICH STATES : ( SEE ATTACHMENT ON HOW TRANSUNION IS REPORTING THE ACCOUNT ) CDIA REGULATOR AND COMPLIANCE GUIDELINE FOR METRO 2 AND METRO 4 STATES : If the previous lender 's account history is being converted to the new lender 's system and the account history can be verified, then the following has to be reported by the Credit Reporting Agency ; Base Segment Identitifcation Number which is Identification Number reported by the previous lender XXXX XXXX XXXX Account Number = Account Number reported by the previous lender Date Opened = date opened with the previous lender Account Status Code = appropriate code that specified the status of the account as of the Date of Account Information Payment Rating = of applicable of the Account Status Code being reported Payment History Profile = report payment history provided by the previous lender Date of Account Information = follow the standard guidelines documented in Field 24 TRANSUNION, Please provide proof that reporting by the purchases begin in the following month 's reporting period after the seller reported the accounts as sold. 

TRANSUNION, Please provide the FCRA Compliance/Date of First Delinquency since it was stated the account was delinquent or derogatory at the time purchase, report the date of the first delinquency with the previous lender. 

TRANSUNION, Please provide the K2 Segment Portfolio Indicator = 1 and Purchased Portfolio Name = name of the company from which the account was purchased TRANSUNION, Please provide the L1 Segement Change Indicator = XXXX, New Consumer Account Number = new account number assigned by the new lender, and New Identification Number = internal code that specifies where information will be verified by the new lender. 

Note : XXXX  regulator and compliance for Credit Reporting Agencies using Metro 2 and Metro 4 states - IF A LENDER IS UNABLE TO OBTAIN THE DATE OF FIRST DELINQUENCY WITH THE ORIGINAL LENDER, DO NOT REPORT THE ACCOUNT!

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