Consumer complaint received 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
This complaint is in response to the result of a dispute and debt validation that I believe was incorrectly handled. Incorrect / unverified information is being reported to my credit profile even after multiple disputes have rendered no validation of the debts in question. 
Transunion shows a medical collection account {$420.00} ( there are two separate accounts reported both for {$420.00} each. ) Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC. XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ( Please note that there are two collections accounts reported by the collection agency that both show the same amount, date opened, original creditor and other information. ) I have specifically requested verification of the duplicate and original debt and have not been provided with any information to support that a reasonable investigation was ever performed which validated these amounts owed. .I submitted a dispute and request for debt validation for these accounts through Transunion , XXXX and XXXX on XX/XX/XXXX. I sent another debt validation letter to this collection agency on XX/XX/XXXX and have retained a priority mail receipt showing the date and time that the letter was sent. I have received no validation of the debt within a period of over 60 days. The collection agency has responded to my original request for debt validation with an insufficient response. I have been provided with copies of billing statements but do not understand what services were provided and was not provided with documentation to show a release of my medical information to the collection agency. I previously requested a breakdown of the fees that I am being charged for as well as a list of the services provided which if accurate were clearly not billed to my health insurance plan that I had at the time and still have currently. I requested that the collection agency provide me with a copy of the release of my information to the collation agency and the original agreement. Since the agency has not conducted the investigation, validated this debt or provided me with their information used to validate this debt and continues to report this account to credit reporting bureaus I am requesting that this be investigated and that the account be removed from all credit reporting bureaus. 
The result of the collections account is that the debt was verified. I made a telephone call to Transunion concerning the result of the dispute and was advised by both a representative and a supervisor that that debt being validated with the credit bureau is upon the word of the collections agency and since the collections agency advised them that the debt was valid as reported that nothing could be done. 
I have sent multiple disputes with the credit bureau and have had the same result : that the debt was validated. I have sent direct debt validation letters to the collection agency, XXXX XXXX XXXX as well. Never have I received the documentation to show the original agreement or the detail of services provided to confirm how the balances were computed. Failure to provide this information proves that the debt can not be validated and should therefore be deleted from my credit reports as inaccurate. Transunion taking the word of a collections agency with no proof of the required information being available and marking my reports to show that these debts were validated is a violation of my rights. Is there no oversight. The collections agency can not, has not and will not provide me with the original agreement, a detail of the services provided or a HIPAA release. Medical Collection account {$420.00} ( there are two separate accounts reported both for {$420.00} each. ) Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC. XXXX Original Creditor : XXXX XXXX XXXX XXXX   XXXX Opened : XX/XX/XXXX ( Please note that there are two collections accounts reported by the collection agency that both show the same amount, date opened, original creditor and other information. ) I have specifically requested verification of the duplicate and original debt and have not been provided with any information to support that a reasonable investigation was ever performed which validated these amounts owed. .I submitted a dispute and request for debt validation for these accounts through Transunion , XXXX and XXXX on XX/XX/XXXX. I sent another debt validation letter to this collection agency on XX/XX/XXXX and have  retained a priority mail receipt showing the date and time that the letter was sent. I have received no validation of the debt within a period of over 60 days. The collection agency has responded to my original request for debt validation with an insufficient response. I have been provided with copies of billing statements but do not understand what services were provided and was not provided with documentation to show a release of my medical information to the collection agency. I previously requested a breakdown of the fees that I am being charged for as well as a list of the services provided which if accurate were clearly not billed to my health insurance plan that I had at the time and still have currently. I requested that the collection agency provide me with a copy of the release of my information to the collation agency and the original agreement. Since the agency has not conducted the investigation, validated this debt or provided me with their information used to validate this debt and continues to report this account to credit reporting bureaus I am requesting that this be investigated and that the account be removed from all credit reporting bureaus.

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