Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TransUnion Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Credit Bureau : I badly need your help, I still see the same wrong information on the accounts that I have on my file. I added some information that would and MUST help your investigation. These are as follow : 1.Validate Account XXXX XXXXXXXX Account XXXX Please ensure that all information is accurate 2.Validate Account XXXX XXXX Account XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 3.Validate Account XXXX Account XXXX Please remove it from my credit report. 
4.Validate Account XXXX Account XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

5.Validate Account XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 6.Validate Account XXXX Account Number : XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 7.Validate Account XXXX XXXX  Account XXXX Please removed from my public record 8.Validate Account XXXX XXXX Account XXXX PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 9.Validate Account XXXX XXXX Account XXXX Please ensure that all information is accurate 10.Validate Account XXXX  Account XXXX PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 11.Validate Account XXXXXXXX XXXX Account XXXX I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment 12. Validate Account Account XXXX According to 15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

After I challenged the other bureaus to remove the inaccurate information they removed it on the report and it's funny why you can't do the same. I am sure that you guys are contacting the same furnisher right? If the two bureaus contacted them and the furnisher verified that this is inaccurate then this should no longer be on my report. I need to have this deleted for this causing my score to drop and also stopping me from the credit to be approved. This should be fixed immediately. I don't want to go to the certain point that I have to make a complain to FTC just because you can do nothing about it.

Please check with the furnisher and fix this problem.

Please work hand in hand with the furnisher to have this fixed. 



Sincerely, XXXX XXXX

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