Consumer complaint received 2017-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Today, XX/XX/XXXX, I only received a copy of my credit report from TransUnion which I did not order. I also received a letter from TransUnion stating that inquiries on my credit report remain for 2 years. TransUnion failed to investigate and remove the items that should not be listed on my credit report. Had TransUnion investigated they would have found out that there is only 1 legitimate company on my credit report as an inquiry and that is XXXX XXXX-XXXX which I have a car with and a lease with currently. Had TransUnion properly investigated they would have found that all of the phone numbers they have on my credit report is incorrect and there is no record of me having these phone number under my name. Had TransUnion properly investigated they would have noticed that I do not have a contract with a company by the name of XXXX for {$1400.00} which they sold to XXXX XXXX XXXX now showing a balance of {$1400.00}. Had TransUnion properly investigated they would have found that I have no contract and never have done business with a company by the name of XXXX. It looks like they sent me something from companies that made requests from XX/XX/XXXX and that is completely not acceptable. That further proves that TransUnion did no investigation at all, but it does show that they relied on old outdated information just to generate a credit report to mail to me. 
FDCPA STATES : The FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. When you get your debt validated, you request the collection agency to prove it has the legal right to collect the money. It also confirms that you agreed to pay the debt, and the amount of the debt is accurate. Any debt collection agency that refuses to follow these steps can be reported to both state and federal officials for violating the law. 
I have reached out to TransUnion in XX/XX/XXXX of disputing incorrect data on my credit report and I have just received a copy of my credit report today XX/XX/XXXX and that is it. Nothing on the credit report states that an investigation had been done nor completed. 
I have attached another letter requesting information be validated. Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation and your METHOD OF VALIDATION. I am aware that the credit bureaus employ all sorts of interesting automated tactics in an attempt to deal with deadlines. Yet many times the computerized methods fail to do their job properly. According to the law, the burden of proof is on the credit bureau and not the furnisher of the information and most importantly NOT THE CONSUMER ( ME ). Therefore if you can not validate the debt, the entry must be deleted. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation or verification. I am formally requesting documents, bearing my signature, showing that I have a legal binding contractual obligation to pay the alleged amount. Furthermore, if at any time the account is validated I am requesting TransUnion method of validation pursuant to the FCRA, including the name of the person with whom TransUnion spoke, who has first-hand knowledge of the accounts in question. I have made this request via certified letter ( which is now a legal document ) earlier in XX/XX/XXXX and today is XX/XX/XXXX and all I received back is a copy of my credit report and a letter about the inquires. This was the fastest investigation I have ever come across in my life. In the letter sent to me TransUnion states that their goal is to maintain complete and accurate information on consumer credit reports, however this statement could not hold true if no investigation has been done at all. 
All records in your files under my SSN should be correct and have my signature. I am aware that you all should have the paperwork in your files since you are reporting this negative information on my credit report. I am also aware that all info is automated and computers do make errors. It has been said that the credit bureaus lean towards retaining incorrect data, rather than the other way around, because they profit from the more data that they have. After all, the credit bureaus are essentially data brokers. So more data is worth more money, even if some if it is being incorrectly reported. I am maintaining a careful record of my communication with you for the purpose of filing a lawsuit against TransUnion should you continue in your non-compliance. I further remind you that, as in XXXX v. TransUnion Corp. No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of receipt of this complaint may result in a small claims action against XXXX, seeking {$1000.00} per violation for. 1. Defamation 2. Negligent Enablement of identity fraud. 3. Violation of the Fair Credit Reporting Act. TransUnion has purposely bought themselves an extra 30 days for failure to investigate. Furthermore the letter that came with my credit report states that If you believe an item of information to be incomplete or inaccurate, please alert us immediately. We will investigate the data and notify you of the results of our investigation. Ummm that is what I did when I sent you the certified letters which TransUnion received on XX/XX/XXXX. How did you complete an investigation is 11 days???? 
I am requesting the following be deleted and blocked : XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX # XXXX I am requesting the following inquiries be removed for if you properly investigate you will find that none of the companies listed have a record or any documents bearing my signature giving them the right to inquire about my credit : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 
TransUnion Consumer Inte XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Also in response to the addresses that you have on file or me those should also be removed for they are not deliverable addresses to me per the FCRA. 
XXXX XXXX XXXX- XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX following phone numbers should be removed for I have never owned these numbers and if you investigate properly you will find that you will not be able to find a contract listed to me for these numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please also remove the duplicate Employer name of XXXX. 
There should only be XXXX XXXX listed on my credit report under the Employment Data. 
I sent this same request over to Transunion per certified ( now a legal document ) letter. The Certified receipts are as follows : XXXX Received by TransUnion on XX/XX/XXXX XXXX - Received by TransUnion on XX/XX/XXXX XXXX - Received by TransUnion on XX/XX/XXXX. 

I also sent a dispute to XXXX XXXX and they have not sent me any of the things that I requested in the validation letter. Therefore XXXX needs to be deleted.

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