Consumer complaint received 2017-11-07
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:
Transunion this is in response to your response to me on XX/XX/XXXX. I am officially challenging your right to report the erroneous information listed on my credit report. You are not supposed to be storing information in your files as it is provided to you by creditors. THE LAW says you are supposed to verify the information supplied to you first. Transunion pretty much just admitted in this response to me that they do not verify the information, but Transunion just stores it on the consumers credit report once it is supplied to you. You dont take any measures to make sure that the information that you are storing is VALID? THAT IS AGAINST FCRA!!! If the erroneous information is not removed from my credit report then I will have no choice but to file suit against Transunion for : {$1000.00} per violation for.
1. Defamation 2. Negligent Enablement of identity fraud. 3. Violation of the Fair Credit Reporting Act! Section ( 609 ) of the Fair Credit Reporting Act is
a Consumers Disclosure Section which is to provide for the protection of consumers against false and erroneous reporting.
This section of the FCRA places the burden upon the Credit Bureaus and the creditor to prove an account is yours.
To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). That is what I am asking for. The original documentation that Transunion is supposed to have in my file showing that Transunion or any other creditor has the right to report anything listed under my SSN. I am not asking you to provide me dispute verification. I am asking for Transunion to provide me the documentation that you are supposed to maintain in your files PER LAW positively proving the account belongs to me. Therefore I am challenging your right to report. Transunion, upon receiving any account, is to verify that the account belongs to me before placing it on my credit report. The creditor is supposed to provide you with the original documentation showing that I have done business with them of any sort. I know that there is no such contracts or documentation listed in your files because I have never done business with XXXX XXXX. Transunion has erroneously allowed this company onto my credit report and can not stand in a court of law showing any type of proof that I have ever done business with XXXX XXXX. I want copies of the documentation that you are supposed to maintain under my SSN bearing my signature. If Transunion can not produce that information then I will gladly file suit against Transunion.
The inquiries on my credit report I did not allow, yet Transunion keeps saying that I did. What proof do you have that I have allowed these inquiries. Furthermore for Transunion to say that written authorization to may not be required to constitute permissible purpose is erroneous. The FCRA states that there is permissible purposes and my consent to release credit information is very much necessary unless a Judge says other wise. Again, this is my final good will attempt. In the state of Texas we have Consumer Rights Attorneys who represent consumers for free when there is a clear violation of a consumers rights. Transunion is in violation of my rights as a consumer, because you did not do you due diligence when presented with this erroneous debt. I sent a validation request to XXXX XXXX via certified letter on XX/XX/XXXXand they have yet to provide me with any type of validation response. XXXX XXXX sent me a letter saying that they will investigate the matter and they also stated in the letter that THIS IS NOT AN ATTEMPT TO COLLECT A DEBT. Today isXX/XX/XXXX and I have not heard back fromXX/XX/XXXX If this is not an attempt to collect a debt then why is XXXX XXXX  on my Transunion report? That is a clear violation alone because once a consumer request validation, the creditor, collection agency, etc is supposed to fulfill that request. I have included the letter that they sent me in XX/XX/XXXX. IfXX/XX/XXXX and all of the other erroneous creditors are not removed off of my credit report then I will have no choice but to file suit against Transunion. I advised you before that I DO NOT CONSENT TO XXXX VERIFICATION. I am requesting a reinvestigation and your METHOD OF VALIDATION. Which I am fully entitled to. 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 ). All records in TransUnion files under my SSN should be correct and have my signature. 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 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 ( XXXX XX/XX/XXXX ).

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