Consumer complaint received 2019-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Greetings CFPB Team, I am requesting your assistance in resolving a Transunion account reporting, record verification and resolution notification concern. 

On XX/XX/XXXX, Transunion received by certified mail a Dispute and Removal request regarding a collection account from XXXX XXXX, XXXX for {$4900.00}. A request for Validation by XXXX XXXX, XXXX ; was sent by certified mail. The company never responded to the XX/XX/XXXX validation letter. Approximately 30-days later Transunion responded stating the account verified and no changes were required. 

On XX/XX/XXXX, Transunion received by certified mail a Method of Verification request advising XXXX XXXX, XXXX had not been able to validate the alleged debt per the Fair Debt Collection Practices Act. Therefore, the agency and bureau by law can not report a non-validated account. It was then requested of Transunion per the FCRA regulations they had 15-days from receipt to provide their full Method of Verification. 

On XX/XX/XXXX, I spoke with a Transunion associate by the name of XXXX that stated they had an open dispute and could not release any information regarding my file. He then advised the dispute would be resolved by XX/XX/XXXX. The associate was educated that my certified letter was not a dispute but was a Method of Verification. Additionally, I cited that processing guidelines allowed 15-days from date of receipt to supply the documentation and information requested per the FCRA guidelines. 

The associate then advised, they did not have any documentation or information regarding what the collection agency supplied. He also stated they do not control what the collection agency/creditor sends to verify the account. 

As of today, XX/XX/XXXX, which is 8-days past the FCRA, stated guidelines and Transunion, has not provided a written response to the request. I have subscribed to the Transunion platform in order to monitor my credit file and as of today, the dispute Transunion opened has closed without a written notice. In addition, the XXXX XXXX, XXXX account continues to report despite their inability to validate the account as requested. 

At this time, I am requesting CFPB to hold Transunion accountable for the blatant disregard of fair and accurate reporting. They also have practiced gross negligence in opening a dispute in lieu of providing their original Method of Verification. 

Without the collection agency validating the reported information and Transunion not providing their Method of Verification, XXXX XXXX, XXXX must delete the alleged debt. I hope that this will resolve the issue to avoid utilizing the services of judicial system. 

Thank you very much for your assistance and understanding. 

Best Regards,

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