Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
A letter was sent with a formal complaint that they are reporting inaccurate and incomplete credit information. I am distressed that they ( TRANSUNION, XXXX, AND XXXX ) have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be deleted. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed below. They failed to positively verify these accounts and it has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me with a copy of verifiable proof, they must remove the account listed below. The list of collection that are reporting has not been opened by me and I have no knowledge of them. By law I have the right to PRIVACY and you the credit reporting agencies have violated itthe list of accused collections account and dates are as follows : XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX  OPENED XX/XX/XXXX, XXXX  OPENED XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX.BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA under 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) accuracy and fairness of credit reporting The Congress makes the following findings with banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies added reasonable procedures for meeting the needs of commerce for consumer credit personnel, insurance, and other information in a manner which is fair and equitable to the consume, with regard tot eh confidentiality, accuracy, relevancy and proper utilization of such information in accordance the requirements.

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 explanation