Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX  XXXX  filed suit against me in XXXX County Ohio for multiple unpaid debts. These debts remain unverified. XXXX XXXX XXXX solicited a statement ( s ) of an account ( s ) that have been written off as a bad debt in XX/XX/XXXXwith XXXX Hospital. In XX/XX/XXXX XXXX XXXX XXXX solicited the attached statements having them APPEAR to have been sent to me at my current address. These statements ( 3 of them ) dated XX/XX/XXXX and a Date due of XX/XX/XXXX show an unpaid balance of XXXX. On those statements, In the body it states these debts were written off in XX/XX/XXXX. I  called the original creditor XXXX Hospital ( XXXX ) XXXX ) to inquire as to where these statements were actually sent in XX/XX/XXXX, I was notified that these statements were in fact sent to XXXX  XXXX   XXXX. XXXX XXXX XXXX did not forward or relay these statements and or request payment from me after receiving these statements in XX/XX/XXXX prior to including them in a suit against me in court. I am one of the lucky few that actually caught these thieves prior to them receiving a default judgement. I have told XXXX repeatedly that I did not believe these debts to be mine, in my attempts to verify that they are ( or not ), I have met many challenges. There are two accounts attempting to be collected by XXXX XXXX XXXX  for alleged services of XXXX XXXX XXXX XXXX sometime in XX/XX/XXXX. When calling the number listed on the verification statement provided to me by XXXX XXXX XXXX XXXX, that number goes to a place called " XXXX  XXXX  ''. I was advised by personnel at that number that XXXX XXXX has not been in business for several years and that THEY in fact are a collection agency for SOME XXXX, however, they are not collecting for either of the XXXX XXXX  that this debt collector is attempting to collect. When attempting to contact XXXX XXXX XXXX , XXXX, which is another place that XXXX is attempting to collect two debts for, XXXX, which is the number provided by XXXX XXXX XXXX, it is a no longer working number and also OUT OF BUSINESS. XXXX, the number provided above searched for me by name, birth date, social security number, address, name of hospital and doctor and could find NO CASES they are trying to collect for me, no debt written off in my name, no association with me AT ALL. These debts have been placed on my credit report as mine, I am being sued by XXXX XXXX XXXX for debts that I do not owe, litigation is ongoing. I have disputed these debts with each of the three credit reporting agencies. XXXX XXXX XXXX continues to provide false verification of these debts to each of these agencies. There were also Three accounts included in the lawsuit with XXXX XXXX. It is none of XXXX XXXX XXXX business WHY I never received the original bill 's from this hospital. What they should concern themselves with is that THEY never notified me that these bills had been placed with them. They never asked for payment for these bills. They very obviously have my address and phone number, yet never once contacted me. If they had, I would have been able to tell them that I was covered by insurance and whether it was myself or someone else that received the services, the services were covered by medicaid. Since the suit has been filed XXXX  XXXX  XXXX  supplied the hospital with insurance information and these debts have been satisfied. Had they bothered to notify me of the debt BEFORE they filed suit, this would have never happened. I have tried to reason with XXXX XXXX XXXX, at this point they only refer me to their attorney XXXX XXXX, his number is XXXX. He refuses to return my phone calls. I have made EVERY attempt to settle this matter with these most unreasonable people. Attorney XXXX is and or should be very much aware that these debts are unverified and that I had no immediate knowledge of these debts prior to his filing litigation against me. When I contacted XXXX  XXXX  XXXX  on XX/XX/XXXX regarding this matter, I was told by the owner XXXX XXXX that she could not discuss these particular debts with me because they were under litigation, however, she could discuss another debt with me that they have in their office for me with XXXX ( spelling? ) XXXX. I expressed to her that I was unaware of any debt that I had with them, but I would verify the debt and take care of it immediately. ( which I did as soon as I hung up the phone I called the dentist and paid the debt in full ). I askedd Ms. XXXX how long the debt had been with XXXX XXXX XXXX  she stated since XX/XX/XXXX. When I asked her why I've never been notified of this debt she stated " you don't pay any of your other bills, we just assumed you would not pay this one either ''. Debt collectors are not allowed to act solely on assumptions, XXXX XXXX XXXX  must be stopped! I will next be filing complaints against each of the credit reporting agencies for not adequately investigating my disputes.

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