Consumer complaint received 2019-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing this Complaint due to noncompliance issues and failure of the CRAs Transunion and XXXX, they have failed to remove Collection Account activity information that details Personnal information and Collection activity, Derogatory, and Charged off accounts that still remain, in my Transunion and XXXX credit file report, when in fact my XXXX credit file that I received on XX/XX/XXXX is not showing the items in question as derogatory or at all., this Collection activity reported on a monthly basis by Transunion and XXXX , this is doing great damage in my ability to obtain VA funding as a XXXX XXXX Veteran who is trying very hard to improve my credit standings, since XX/XX/XXXXI have sent Certified Disputed letters Disputing the Validity of Collection Items in question being reported as Varified, ,How can they continue to Verify when in fact I have sent Documents attested from the Furnisher s and Collection Companies that the items we're never Verified as accurate? Items in question are Company name ( # 1 ) XXXX Account # RE XXXX On XX/XX/XXXX case number CFBP. :XXXX In the letter I received from XXXX it states XXXX Submitted a request for deletion to the credit bureaus on XX/XX/XXXX .More than 5 Months and still Transunion refuses to delete in Violation I strongly believe that they are in Violation of the FCRA.of noncompliance and outright refusal to uphold the Law.they failed to delete the affiliated Collection item that is keeping me from attaining my good credit standings, and i feel is a Defamation, # ( 2 ) XXXX XXXX Acct # XXXX.Collection company I have Disputed this with The XXXX on XX/XX/XXXX I received message from XXXX message and letter this account was marked as ( Unable to Validate ) By XXXX XXXX XXXX again Transunion and XXXX   Refuse to delete this Derogatory Mark on my credit file this has been when Transunion and XXXX  were sent a record from XXXX to delete within 30 days, on XX/XX/XXXX.This is XX/XX/XXXX it has been 5 months and the CRAs refuse in Violation and noncompliance.as they continue to ignore all laws of FCRA to Fair Credit Reporting. Practice and the FDCPA act reviewing my Anual Credit file the CRAs continue to Violate my rights please note I have Documented all Corespondence on On PDX file for authentication for your review # ( 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX. 
I filed Complaint CFBP Case # XXXX.I received Documented letter from XXXX XXXX  XXXX XXXX Stated in letter the account in question all Collection Activity will cease effective emedietely by XXXX XXXX this is 5 months and still Transunion reporting this Derogatory Collection on a monthly basis as well as XXXX # ( 4 ) XXXX XXXX XXXX act # XXXX. I have sent Validation Letters to these companies and they refuse to proof that the Collection in the interim were never Validated upon sending Certified Mail The CRAs in Response intentionally ignored all ny Documented letters of non compliance. By law each item posted by on a consumer credit files must be 100 , % accurate and Verified by all the Major Credit Repositories XXXX, Transunion, and XXXX.if one CRa like XXXX  then they must abide by the FCRA Laws ' and delete all Derogatory marks on a consumer credit file This has gone on to long and I believe all 3 CRAs are refusing a complete and thorough exploratory in depth Investigatiing they are in Violation of Sections 168, ( a ) .I believe. Thank you

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