Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX XXXX XXXX placed me in collections for {$790.00} debt to XXXX. At the time I was unaware that there was even a XXXX account connected to my name. I disputed this several times and was sent a billing statement with my name on it. Mind you that still doesnt explain to me where this debt came from. I asked for verification of a contract with my signature which was never received. I started receiving settlement letters to my mothers house in XXXX when I do not and have not shared an address with her in XXXX. I repeatedly reported inaccuracies with the debt etc and as sent several verification letters for this date. Upon contacting XXXX they were very helpful and I was told they have no evidence of the debt or any prior accounts with me. This was done XXXX or XXXX over the past 5 years. So I was finally told they cant pull-up anything or attach anything based on my birthday or Social security number. However they were able to send me a verification of debt based on the account number and my name. The debt was for an original amount of {$100.00} which they updated per the dispute and then deleted it as they couldnt verify the origins of the application or search it based on my personal details. ( So In XXXX I did open account with XXXX as I had decent experience with them helping me, but that has no relevance here. Just mentioning it for factual purposes. ) This complaint is NOT about XXXX, theyve been amazing. Anyhow, upon receiving this information I notified XXXX XXXX XXXX and TRANSUNION of this and provided the investigation results I received from XXXX  XXXX directly. XXXX XXXX XXXX once AGAIN sent a billing statement with my name on it with XXXX  XXXX as the company owed. Not only have I never had a contract with them but the debt that they purchased was incorrectly attributed to my name to begin with. Even upon having XXXX update the INFORMATION AND acknowledge the deletion of the original account. TransUnion has repeatedly verified this debt, even with blatant evidence of inaccuracies and inaccurate reporting, I mean even if the debt was able to be tied to me, XXXX reported a balance of {$100.00}! Where did they get the {$790.00}? This is the issue with debt purchasing. And TransUnion chose to update the account INACCURATELY based on XXXX XXXX XXXX inaccurate debt purchase rather than delete it per my request when the inaccuracies were found acknowledged and identified by all BOTH necessary parties, myself AND the ORIGINAL CREDITOR.. Its been a rabbit hole for almost 5yrs now for a debt on a credit card they say is from XXXX. A debt they claim to have purchased in XXXX and started a fresh collection that is not even mine. Im exhausted with the back and forth and lack of tact in seeing things are accurate. None of it makes sense and Ive done everything submitted documents. Placed identity theft alerts etc and here we are. Its very much negligent on the part of the collection agency TransUnion to continue to verify AND report a debt with no actual evidence or effort put into verifying the contracts or signatures pertaining to me. Not to mention the complete disregard for evidence from the original account provided BY ME. As well as investigation results from their own company. They removed the XXXX debt and left the collection debt that rooted from it. Its a full fledged violation of my rights.

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