Consumer complaint received 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
( 1 ) XXXX XXXX replied the last reply on XX/XX/XXXX, indicated that they " verified the accuracy of the debt '' with a third party. This is WRONG as the BANKRUPTCY COURT should be the furnisher of information and not a third-party service such as XXXX or XXXX XXXX. Trans Union has admitted that it did not verify the " unverified '' account with the Bankruptcy Court and therefore, they never had possession of copies to before putting this " unverified '' item in my credit files. I have asked Trans Union to provide me with documents they had in their actual files before listing this item in my credit files. They have BLATANTLY refused to provide me with this information. 

( 2 ) Further, I have spoken directly with the Bankruptcy Court and have attached a letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  verifying that they do NOT report or provide any information to ANY credit agency including Trans Union. This proves that Trans Union NEVER had documents in their possession before putting the " unverified '' items on my credit files. 

( 3 ) However, Trans Union last response dated XX/XX/XXXX, was that they " Verified as Accurate '' the bankruptcy and other disputed accounts in question but again failed to provide physical documentation. I have asked Trans Union to provide me with a physical copy and their method of verification which includes : name of the courthouse, person 's name they verified with, address, telephone number, and copies of the document that they used to verify the dispute. 

( 4 ) Trans Union has blatantly ignored my request on four different disputes which were mailed on : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX to provide me PHYSICAL copies of all original documents that I signed that they have on file that they used to actually verify the accuracy of said disputed items BEFORE they listed them in my credit files. 

( 5 ) Under federal law, all Credit Reporting Agencies MUST VERIFY ALL INFORMATION received from creditors BEFORE this information is added to my credit file. Proper verification rightly involves an actual review of the original signed creditor contract that was signed when the alleged account was opened to verify that the account is valid and correct. 

( 6 ) I did not request that Trans Union issue a statement as to " Item was verified. '' Tran Union simply sent an electronic communication to the creditor asking, " is this information correct '' and of course the creditor responded, " yes this information is correct. '' I requested from Trans Union that they provide me with " Copies of Physical Proof of Verification '' of all original documents that I signed about of every item being legally/formally disputed by myself as said, the consumer. 

( 7 ) Upon reviewing Trans Union response, I can see that they DO NOT HAVE PHYSICAL PROOF OF VERIFICATION of said items. I demanded that in the event, that Trans Union was either unwilling, or unable to provide to me the requested documentation, that Trans Union IMMEDIATELY remove said items from appearing on, or in my credit files and reports. 

XXXX 8 ) Trans Union has refused to provide me with physical/documented proof of verification of all items that I detailed and claimed as " unverified '' accounts which is a direct and willful violation of federal consumer protection laws and or acts, i.e., FAIR CREDIT REPORTING ACT 15 U.S.C. 1681/DODD-FRANK WALL STREET REFORM and CONSUMER PROTECTION ACT 12 U.S.C. 5536 and the FEDERAL TRADE COMMISSION TITLE 15-COMMERCE and TRADE CHAPTER 41-CONSUMER CREDIT PROTECTION SUBCHAPTER III CREDIT REPORTING AGENCIES. 

( 9 ) Previously I had cautioned Trans Union NOT to respond to my prior four dispute letters by stating " said items had been verified. '' My legal demand was and still is, that Trans Union provide me with the actual proof and physical verification, and if not REMOVE/DELETE SAID ITEMS FROM APPEARING ON MY CREDIT REPORT. 

( 10 ) Again, to date, Trans Union Credit Bureau had yet to provide me with any requested and required physical documentation. I have the legal right to demand that Trans Union Credit Bureau provide me with physical copies of all documents that they have on file used to verify the accuracy of said items BEFORE they listed them in my credit files. By Federal Law/Act, they are required to provide to me the aforesaid PHYSICAL documents, proving to me that they have in fact adhered to the letter of the law regarding this matter. Under the FCRA, if Trans Union credit bureau can not, or will not provide me with the legally requested physical verification documents, then " Trans Union must delete said items from appearing on my credit report. '' ( 11 ) I have attached a number of supporting Exhibits to my prior, former dispute letters including a copy of the ( 1 ) letter from the Bankruptcy Court, ( 2 ) certified stamps proving that I have expended reasonable due diligent in giving the aforementioned credit bureau ample opportunity to either provide the physical documentation evidence of verification ( 3 ) copies of previous dispute letter.

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