Consumer complaint received 2020-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion cc : XXXX  I have more damning information that proves that both Transunion and XXXX  are complicent with allowing XXXX XXXX XXXX/XXXX XXXX, XXXX to place bogus collections on not only my credit reports but hundreds of others. 

I was able to speak with and gain valuable information from a compassionate employee of XXXX XXXX XXXX, which is the creditor that acquired licensing and trademarks from the creditor XXXX  ( XXXX ), that acquired the original creditor XXXX XXXX. In XXXX I discovered that the Mississippi laws that govern door to door sales tactics were severely broken by XXXX XXXX with the intent to mislead and misrepresent to acquire the account. I confronted the company in the latter part of XXXX about the tactics only because the equipment was malfunctioning due to a storm that took place. I ceased making payments due to a blatant breach of contract but unbeknownst to me, they kept drafting funds from my account until XXXX of XXXX which left a balance of {$420.00}. XXXX XXXX XXXX   states that I somehow owe $ XXXX.They paid around {$22.00} to acquire this account from XXXX which has been allowed to be placed on both my XXXX  and Transunion credit profiles as a balance of {$960.00}. I do not owe this company {$960.00} nor did I owe the original creditor {$960.00}. My balance according to XXXX XXXX XXXX ( XXXX ) was {$420.00} as of XX/XX/XXXX. 

It has been stated several times by both XXXX  and Transunion that the creditor has " certified the accuracy '' of the account which is blatantly false. Underhttps : //secure.utah.gov/bes/, the company XXXX XXXX does not exist. It is a former name of XXXX XXXX XXXX  not a DBA ; therefore I do not owe this debt that Transunion claims to have been verified and it must be deleted. XXXX XXXX XXXX doesn't exist. There is no way that this company should be allowed to place a debt on 2 major bureaus with different names. They can feel free to place the debt on my credit as XXXX XXXX XXXX but per the FCRA, it is illegal to report debt that they know is misleading or inaccurate and by using 2 different company names when one doesn't exist anymore is misleading and deceptive to say the least. 

The FCRA also states that a creditor and/or collection account must reflect the credit history from the original delinquency date. The original delinquency date according to XXXX XXXX XXXX was XX/XX/XXXX. Transunion, XXXX  and XXXX XXXX XXXX claim that I have until XXXX to make good on this alleged balance which means that the document or statement used to certify the date of delinquency is in XXXX which is false. According to the FCRA, this is to be removed 7 years from the date of delinquency ( XX/XX/XXXX ) which is 9 months from now. This is another unlawful tactic to intentionally ruin people 's credit and make it difficult to acquire certain things financially. 

I was blindsided by XXXX XXXX XXXX  in XX/XX/XXXX. They sent me via email an alleged copy of a letter from XXXX that was addressed to a person with a similar name in XXXX XXXX, LA and I've contested to the bureaus with affidavits that this is not me. They also sent me via email a demand letter stating that they acquired a debt a year prior ( XXXX ) and then they are allowed by XXXX  and Transunion to so easily place this erroneous debt on my credit files. 

XXXX  and Transunion have been given more than adequate information about the validity of how the collection has been handled since inception and they have refused to do what is lawfully right, which is to delete this collection from my credit reports. XXXX has provided me statements that shows the true balance owed as well as the payment activity. The collection company intentionally did not disclose this information to me upon my request 2 months ago which is also a violation of the FCRA. They claimed to not have had that information, which takes me back to my original query as to how did XXXX  and Transunion verify this account when there is nothing but a letter and the collection agency 's word when mymountain of proof and affidavits weren't enough? 

This will be my last dispute with XXXX  and Transunion. I will seek an attorney If they do not remove this account from my credit files. It's a matter of principle at this point as I have been dealing with this issue for nearly 3 months now.

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