Consumer complaint received 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear TransUnion Im sending this second letter in response to your updated letter which stated that you have verified the account. In your letter, you also told me to contact the furnisher about this account. I did that. I sent them a debt validation letter asking them to prove to me that this debt is in fact mine. They never, and I mean never, responded to me.

From my understanding of the Fair Credit Reporting Act, and please tell me if Im wrong, if an item is unverifiable, it must be deleted, right? Well the collector never responded to my validation request and as a result, the item is unverifiable. Im asking your company to do the right thing and follow the law as its clear, and delete the follow account below : XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

If for some reason, you choose not to investigate, or send me another letter stating that you have already verified the account, I will do the following : ( 1 ). File a complaint with the Attorney Generals Office.

( 2 ). File a complaint with the Consumer Financial Protection Bureau.

( 3 ). Explore all legal options on this matter.

I dont want it to come to this. Please delete 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