Consumer complaint received 2020-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
To Whom It May Concern, TransUnion has constantly let XXXX XXXX report account number XXXX an invalid debt in the amount of {$130.00} to my credit file. 

Dispute letters were received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This I know from my certified mail with signature. 

The latest response I received from XXXX was on XX/XX/XXXX and this response from XXXX stated that account number XXXX with a balance of {$700.00} was in fact valid. 

This invalid debt was reporting to all three of my credit files including, XXXX, TransUnion and XXXX. 

As of current day, this invalid debt is reporting to my TransUnion credit file. 

This Invalid debt has been deleted from my XXXX and XXXX   credit file but still somehow maintains to report to my TransUnion credit file. 

I have reached out to XXXX XXXX as well as TransUnion to provide me with their method of verification about this invalid debt of {$130.00} and have been met with non compliance several over the past 24 months. 


Every time a dispute letter was sent, Transunion and XXXX XXXX has constantly sent me a response stating that the debt was valid and both companies has never mailed me their METHOD OF VERIFYING the debt as required by the Fair Credit Reporting Act. 

TransUnion and XXXX XXXX has continously and willfully violated my rights as a consumer by not following the FCRA guidelines by not providing me with their method of verification. 

TransUnion and XXXX XXXX  has not responded within the required 15 day deadline of them providing me a legal METHOD OF VERIFICATION. 

Both companies have only responded back to me by mail stating that this invalid debt is in fact valid. 

Every time i have disputed this invalid debt of {$130.00}, XXXX XXXX has mailed me back a copy of a bill that they claim is mines and stating the debt is valid. 

As for FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification Both TransUnion and XXXX XXXX have acted in bad faith by not responding to me letting me know their method of verification. This is what XXXX XXXX has been mailing me back over the course of 24 months. 

I have previously reached out to TransUnion and XXXX XXXX several times providing both companies with all the required documentation concerning this invalid debt. 

In return BOTH companies have violated my rights as a consumer. 

I have have mailed XXXX XXXX and TransUnion several times over the 24 months asking for theIr METHOD OF VERIFICATION and for all 24 months, and have been denied my request for how they are verifying this invalid debt. 

The documents that i have provided with this complaint is proof that i have been met with NON COMPLIANCE several times over the past 24 months from both TransUnion and XXXX XXXX using these illegal tactics to benefit both companies financially. 

TransUnion has stood by over 24 months and provided a way to let XXXX XXXX report this debt without investigating if XXXX XXXX actually had a method of verifying the debt. 

As noted, this debt is currently deleted from my XXXX and XXXX credit files, but XXXX XXXX has refused to delete this invalid debt from my Transunion Credit file. 

Also as stated in 609 Disclosure To Consumers [ 15U.S.C 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : As we know, the information that verifies the information inside a credit report is supposed to be in the files of the credit bureau as well.

This is the Information that the credit bureaus are supposed to  store in their database on every consumer. 

As well as 609 ( c ) ( E ) I am asking the Consumer Financial Protection Bureau to investigate the non compliance by TransUnion and all XXXX XXXX  who are reporting this invalid debt of {$130.00} to my TransUnion credit file and not providing the required method of verification per my right as a consumer as said in the Fair Credit Reporting Act.

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