Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do a verification of everything on my credit report and they said they did, they stated everything was accurate. 

This was a LIE and I have the letters from the Credit Bureaus to prove it. 
I have letters from The Credit Bureaus Stating that they " COULD NOT FIND THE DEBT REPORTS I ASKED TO HAVE REMOVED ''. 

The Credit Bureaus Also Asked Me To VERIFY MYSELF, because they couldn't find the credit file I am disputing on their records ; so how are the Credit Bureaus PROPERLY VERIFYING THE MEDICAL DEBT, if they have inadequate information. Which they are closing on my credit reports, THEN REOPENING the debt on my credit reports. 

I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. 

1. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX. 

**This account showed closed on XX/XX/XXXX on my TransUnion Credit report, and as of XXXX is back on my credit report showing open. 

This Account has been closed twice on my credit report and put back on my credit report twice, claiming it was verified, which is not true at all ** I will include screenshot of this evidence**. 

2. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX 3. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the fair credit reporting act convergent 1. Account name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX. 

**This account showed closed on XX/XX/XXXX on my TransUnion Credit report, and as of XXXX is back on my credit report showing open. ** I will include screenshot of this evidence. 

2. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX 4. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602A. states I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

I also have letters from The Credit Bureaus Stating that they " COULD NOT FIND THE DEBT REPORTS I ASKED TO HAVE REMOVED ''. The Credit Bureaus Also Asked Me To VERIFY MYSELF, because they couldn't find my file ; so how are the Credit Bureaus PROPERLY VERIFYING MEDICAL DEBT

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