Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I pulled my credit report and noticed a debt that does not belong to me on my credit report ( in XXXX ), and I first had my attorney dispute the debt ( s ) with the debt collector and the original creditor ( XXXX is the original creditor, XXXX XXXX is the debt Collector ). Both, XXXX and XXXX XXXX has NOT provided proof the debt was mine. XXXX wrote my attorney back stating they had no information pertaining to the debt. They asked that I provide my personal information to them. I advised my attorney ( and he agreed ) that If I had done business with them, they should have all of this information. This is a ploy to obtain my personal information. My attorney wrote back asking if they could not validate the debt to remove it from my credit report. At the time there were two separate debts from the same company. XXXX XXXX did not reply. I filed a complaint with the Consumer Financial Protection Bureau and provided all letters between my attorney and the original creditor and XXXX XXXX to TransUnion. I was advised the debt was deleted and then it was placed back on my credit report. This has happened more than once. My attorney wrote XXXX XXXX again stating, " it had been a year now and your company still has not provided verification the debt belongs to my client. '' XXXX XXXX wrote back, and I quote, " This letter is in response to a recent communication regarding identity theft or fraudulent charges in connection with the referenced account ( I never stated I was a victim of ID Theft ). Account level documentation has been enclosed for review ( one invoice was attached ). A review of the claim and account has been completed. Based upon this, WE WERE UNABLE TO VALIDATE YOUR CLAIM. '' However, with all letters from XXXX XXXX stating they can not validate the debt and copies of the letters from my attorney asking that they provide documents TransUnion is still Violating the FCRA by continuing to report a debt that can not be verified and/or validated. Not to mention adding and removing the debt multiple times from my credit report as well. Finally I received a notification that a debt was removed from my credit report with TransUnion again and added back at the same time. I called Transunion and asked a Represenative who stated they don't know why I received that but the debt with XXXX XXXX  had been deleted from my credit report. I asked if I could receive confirmation of this and I received a letter from Transunion stating they were under no obligation to re-investigate the debt. A few days later I received an updated credit report showing the debt was updated. This has been going on now for a year and has caused me much stress. Time and money was spent to provide documentation that the debt is not mine. All documentation has been provided to TransUnion to show the debt is not mine. There has been no proof of their investigation or steps they took to investigate the matter. TransUnion also update the credit report showing a payment in the amount of {$0.00} was received in XXXX of XXXX. TranUnion has updated the debt multiple times. These negative updates to my credit also hurt my credit as well. Tranunion has been supplied with all documentation related to any correspondences between XXXX XXXX and my attorney regarding the debt and has refused to delete the debt multiple times. TransUnion states the debt is verified as accurate. However, TransUnion has failed to provide the method of verification used or information they have pertaining to the debt to show the accuracy of the supposed debt. 

Transunion is in clear violation of 15 U.S. Code 1681s2

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 non-monetary relief