Consumer complaint received 2018-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello On XX/XX/2018 I made a dispute report because on my report there was an account that I did not recognize so I requested proof of the paperwork with my signature that I owe this amount of money to this creditor, the creditor sold it to a collection agency the collection agency put it on my credit report as a collection I disputed this 4 months credit reporting kept reporting to me that they verified it when I ask for the proof that they verified it they would reinvestigate I dispute it again and they would say that they verified it and I'd ask for the proof of the verification and then I would have to dispute it again well finally I got 2 creditors that were on the report that I did not owe anything to removed, they were deleted. Through process of continued disputes finally onXX/XX/XXXX after I called them and that would be expedient and ask them for the proof that I owed this money to this collection agency because on the XX/XX/XXXX they sent me my dispute response that I did owe this when I call them onXX/XX/XXXX I told them that I wanted proof and on the third they put through delete from this creditor so the two reporting agencies, XXXX  andXX/XX/XXXX, removed all these false credit damaging collections from my report everyone except for TransUnion I called TransUnion I tried to dispute transunion and every time I would go online it will tell me that they were having problems that I would have to call I called and told the lady what was going on she took my report and it's still there and that was back inXX/XX/XXXX maybe anyway I got a letter on the XX/XX/XXXXfrom first source which you'll see pictures of the letter they sent me in my downloads and it is from the creditor that's still on my TransUnion as me owing them which I don't they sold my account to first source saying that now first source is going to collect this debt, I do not owe this debt I've been going through this dispute since XX/XX/XXXX, the last one that still stuck on my account but this all started in XXXX I have a XXXX XXXX I've had XXXX surgeries most biggest one was XXXX XXXX I can't take this stress I have been trying to fix this for way too long because someone's not doing their job and they would actually verify that I actually owed these debts it would have been solved in XXXX somehow someone is saying they're verifying but they're not verifying I think the consumer should be able to rely on the credit reporting companies since they're giving reports that affect our lives and they're giving the wrong reports!!! they should be held accountable!! I would like for someone to please help me and actually help me!! I want this fived and settled. I don't need this, NO American taxpayer needs this, to have three companies hold your life in their hands because you want credit well I didn't want credit but now I might have to get a credit card not that I want to cuz it's all big scam and I'm not yelling I know that the person who's reading this right now has nothing to do with what happened in the past I'm frustrated please someone help me fix this and I have a question is it lawful for a company is trying to collect a debt from me that I don't know and was disputed and supposedly deleted able to sell my information to another collection agency to collect on funds that I didn't owe the first agency?? I don't think that's legal and I don't think that's fair the three credit reporting companies have the power to hold my life in their hands when they're screwing up my life because no one 's doing their job!!! 
thank you I would like them to fix it and to let my creditors that when I did apply for XXXX cr, edit card and was denied because they said that I had debts which I didn't they should be made to go back and fix what they reported and say it was false information because that is slander in my book, thank you 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 explanation