Consumer complaint received 2019-02-23
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:
I pulled my credit report and found several unverified accounts opened in my name that do not belong to me. On XX/XX/XXXX TransUnion received a letter from me requesting debt validation. TransUnion did not send me a response at all. 

TransUnion received a second letter from me XX/XX/XXXX and I explained, [ TransUnion ] did not respond within 30 days and are required to promptly delete all disputed information. I also made it an effort to send validation letters to each collection company on my credit file. I did not receive a response from the collection companies nor did I receive any valid proof that the accounts were opened with my authorization. 

TransUnion sent a response XX/XX/XXXX stating, " ..item ( s ) were verified as accurate. '' TransUnion did remove two disputed accounts, XXXX XXXX and XXXX XXXX XXXX, but one of them  was a duplicate account and appeared twice on my credit report under a different company ( XXXX XXXX XXXX ). 

TransUnion received my third letter XX/XX/XXXX stating that they failed to remove all of the disputed accounts. I asked TransUnion to provide me with contractual evidence that the remaining accounts were opened with my signature or authorization. I also stated that XXXX XXXX sent unlawful documents that would create the false belief or deception of the amount owed. According to The Fair Debt Collections Practice Act, a debt collector must provide contractual evidence that they are the rightful owners of the debt, providing them legal authority to collect on the debt. TransUnion sent me a letter XX/XX/XXXX stating, " ..item ( s ) were verified as accurate. '' TransUnion received my fourth letter XX/XX/XXXX requesting, once again, for signed copies of any original documentation ( a consumer contract with my signature ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). I also stated that they failed to provide me an explanation of the method used during the verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ..promptly delete all information which can not be verified. They sent me the same letter again XX/XX/XXXX stating, " ..items were verified as accurate. '' TransUnion received a fifth letter from me XX/XX/XXXX requesting all items disputed be removed regarding willful negligence and noncompliance. TransUnion responded XX/XX/XXXX and deleted only one Account ( XXXX XXXX XXXX  ), but did not investigate and delete the other accounts I disputed. If TransUnion does not investigate and respond to the notification of the dispute within the specified times, then the CRA must delete the disputed information from its files under Section 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) of the FCRA.

It has been approximately one year and three months since TransUnion has received my initial dispute. I am entitled to receive a complete investigation and fair treatment as stated under Federal Law. I am entitled to have a copy of the signed contracts authorizing my consent under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). If there is not viable proof that I opened the unverified accounts, signed a contract, and could not get proof from either the Credit Agency ( TransUnion ) or the Debt Collectors then immediate deletion of all disputed accounts is within merit. I was also not provided with documentation showing how the investigation was conducted or completed at any point of disputing since XX/XX/XXXX. I was also not given a complete and proper investigation as only one account was investigated and deleted XX/XX/XXXX. That alone is grounds for immediate deletion under Section 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) of the FCRA.

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