Consumer complaint received 2023-07-14
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 has not addressed the issue l submitted the request for. Per their response I was also supposed to receive those results in approximately XXXX business days. That was on XX/XX/XXXX and today is XX/XX/XXXX and I have not received anything regarding this from them. I have sent multiple dispute letters dating back to XX/XX/XXXX and no one has been able to provide any type of proof that this debt belongs to me or anything from the original creditor that this debt collector owns this debt and has the legal authority to collect it In accordance with the Fair Credit Reporting act this account has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. I would like to make sure my credit report is accurate and only reports items that actually belong to me. Please deleted this account from my Transunion report. 


On XX/XX/XXXX, I sent a dispute to Transunion for a Debt Contract Request stating : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. On XX/XX/XXXX I followed up with a dispute stating I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. On XX/XX/XXXX I followed up with a Debt Validation Request stating I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. Not once have I received a response from anyone in response to any of the request however Transunion has added the remarks to my credit report as : Account information disputed by consumer, meets FCRA requirements. XXXX deleted from my report on my dispute completed XX/XX/XXXX and XXXX deleted from my report on my dispute completed XX/XX/XXXX. In accordance with the Fair Credit Reporting act this account has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Account XXXX : XXXX Account XXXX : XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A states : I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 15 USC 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681S-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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