Consumer complaint received 2018-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There are a couple of reasons why I am filing this complaint : 1 ) I have not received results from my 3rd round disputes from XXXX and 2 ) XXXX, XXXX, and TransUnion all claiming that unverified, invalidated accounts are " reporting correctly '', " mine '', " valid '', and " verified ''. First, regarding XXXX, it has to now be WELL over 45 days that I have not heard back from them. All of a sudden, around XXXX I noticed that I started getting automated emails from them instead of paper communication via postal mail. I never requested to start getting email confirmations because I wanted hard copies of everything. To top things off, the emails didn't even work! The link would take me to their site to enter my personal info in and a confirmation number, but the following page would give me an error. This was partly due to the fact that the emails would be sent one day AFTER the expiration dates and then supposedly give a short timeframe to view the results! It was completely absurd. They basically made sure that I was funneled into their extremely flawed system. I know this to be a fact of their system being flawed ; I called at least twice to ask about the status of my 3rd round results and was told each time from reps that there was a glitch in their system. I managed to get thru the system to provide a screenshot of failed dispute results and a false claim atop the list saying the results were mailed. I asked repeatedly for my results to be MAILED to me and I was assured that I would be receiving them in the mail. Weeks later and still no results. It is my understanding that when this happens, the bureau is absolutely required to delete all accounts that are requested to be deleted. That leads me to the next issue : my disputes. XXXX, XXXX, and TransUnion have all repeatedly come back claiming that the disputed accounts are " verified '' as " accurate '' and " validated '' WITHOUT PROVIDING JUST CAUSE FOR REPORTING THIS, that of course being valid proof. Under the FCRA, they are supposed to validate these accounts with original consumer contracts bearing my wet signature. They have not done that -- and remember, it has been MONTHS of them doing this. Does the government advocate a company like XXXX, XXXX, and TransUnion allowing information to be placed in consumer credit reports without proof, verification, and validation from the reporting sources?? This is negligent of them all and very dangerous to my identity as a consumer! I have told them all this repeatedly. XXXX  in particular has written back recently stating their refusal to reinvestigate the disputed accounts ( unless I provide extra proof of something ). Seriously?? YOU the COMPANY are subject to ME as a CONSUMER and to the LAW, which you all have dismissed. I even called XXXX   and was told this by a rep, claiming they are not required to provide proof. Um, this is NOT what the FCRA and FDCPA states. Furthermore, what sense does it make to not verify the validity of an account? This is precisely how scammers get away with their crimes. If an account does not provide verified proof of an account 's validity with an original consumer contract, then the account MUST BE DELETED. There have also been other discrepancies with accounts that I've brought to their attention, but they have fallen on deaf ears. I have included a copy of the 3 letters that I have sent to XXXX to remind them of the accounts I have been and those I still am disputing. I have included a copy of the 4 letters I sent to XXXX. Lastly, I have included the 4 letters I sent to TransUnion ; as of the date of this complaint submission, I haven't heard back from my 4th dispute with them. Some of these files have been redacted for size and added to a separate document. By the way, there is an account that I have made note of in an additional document that was unverified and outright deleted from XXXX months ago, stopped reporting on XXXX during that same time and onward for about 2 months, yet recently made an appearance BACK on XXXX. This is ridiculous. How could an account be found unverified and still pop up anywhere claiming it's legit, verified, and validated?

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