Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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: Was not notified of investigation status or results

Complaint:
In my latest credit reports, there is still an abundance of false reporting coming from credit agencies, original creditor, and collection company. I have NOT entered into an agreement with any of these companies or any reporting agency thus I have not acknowledged, accepted, or agreed to pay any amount of the reported debt ( s ) arising out of this one issue with the original reporting agency, XXXX XXXX XXXX XXXX ( XXXX ). XXXX deemed original creditor. 

The collection company mentions Automated Credit Dispute Verification ( ACDV ) and/or some type of compliance with a coding system. 

However, I have not received the credit companies ' investigation into the specifics of my dispute. 

1*I am not affected by a natural disaster. 
2*The negative of this one issue is used multiple times against my credit rating. 

The specifics of my dispute with Original creditor ( XXXX ) Has violated several applicable laws not just with banking - federal and state law have been discounted breached and/or violated. In a statement by the XXXX senior executive states, it was our hope that I would borrow a phone, acknowledging I do not have a phone. Evidencing a total disregard for American disabilities act. ( Hope does not magically eradicate someone's disability ) As I have stated I do not receive or make phone calls that would apply to all phone calls. AND this hope- raises more concerns for privacy violations and breaches. Also evidencing a personal bias that is preclusive with the requirement of a phone call to settle disputes. Please be advised at no time have the executives tasked to handle this dispute made effort to accommodate communication outside of a phone call once the account was closed. While the account was open XXXX XXXX never responded to requests to correct the errors and failure of adjustments as previously agreed upon. 

The XXXX acknowledges a computer system error. Apologized for that error .... 

The original creditor violated privacy when providing saving account information to any agency for a dispute regarding a checking account. 
========================================================== The specifics of my dispute with Collection agency- original reported a debt to be collected as XXXX dollars. Now reports a debt of XXXX dollars. XXXX attorney states : I have re-reviewed a copy of the signature card signed by the consumer, as well as account statements related to the debt, all of which match the information of the consumer. 

PLEASE NOTE : This statement does not attest to any investigation of the substance of my claim. This statement is a consistent with all claims filed only verifies and updates the personal information delivered and/or wise shared between reporting and reported to agency. -- -- -- -- -- -- -- -- -- -? there is no accounting for the increase in amount reported. 
=============================================== Credit agency- do not display my personal statement & no option available that resembles anything I would list as a personal statement. 

XXXX Trans union XXXX XXXX : XXXX XXXX XXXX. 
XXXX XXXX XXXX reporting of this as a debt is not factual. XXXX XXXX XXXX XXXX documentation to me do not agree with the reporting by XXXX XXXX. Thus, The XXXX XXXX XXXX reporting of a collection is not accurate. 

Making the credit companies reporting and distribution of this as a debt not factual and without any investigation. ( Please note the ref to this one XXXX  issue is use in multiple other areas negatively affecting credit score ) AND there are other instances of error that are directly lowering credit score.

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