Consumer complaint received 2018-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Credit reporting laws ensure that bureaus report on only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

In a letter back in my first dispute, I requested PHYSICAL VERIFICATION OF PROOF THE CREDITOR USED TO VERIFY THIS ACCOUNT IS ACCURATE. As of this date and two disputes later, I have not received anything from your credit bureau, but I did contact you a couple of weeks ago and spoke to a XXXX and I was told by XXXX  that when investigating disputes, everything is sent electronically including the Creditors response ; which in my case the Creditor listed didnt send any documents to verify that this account was accurate.

I requested why I didnt receive documents that the Creditor sent to the Credit Union ; I was told there wasnt any documents sent, the Creditor just responded that the information reported is correct without having to provide any documentation to support the claim. I received a response back from you stating that the consumer stated that the information in the credit file has been VERIFIED AS ACCURATE AND UPDATED.

My next step is to contact the Federal Trade Commission, the local news, XXXX to get the answers I deserve as a consumer.

I am supposed to be protected through the Fair Debt Collection Practices Act. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this debt and if they can not verify then the item must be deleted from the report as soon as possible : The listed item is completely inaccurate the item attachments ). XXXX College is the original creditor. My account with XXXX is paid monthly. As you can see I can extend my time whenever I chose by calling, see attachment. Also, from XXXX  own website, I can cancel at any time and they will deduct the amount of the tuition which by their schedule, I have not submitted fifty percent of the assignments, so why am I being charged the full tuition amount. If anything, I completed 25 % of the assignments and should pay a portion.

I never cancelled the course just postpone due to financial reasons. Per their own document on their website, I will need to cancel my program in writing. I never submitted a cancellation letter, so I am requesting a copy of this alleged letter to validate their claim.

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