Consumer complaint received 2016-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted TransUnion regarding unverified accounts in my credit files. I have made numerous attempts requesting the validation of these debts. They state they have been verified but fail to provide me with the source used and whom they verified with. The accounts listed below are not verified and in fact some the the information is duplicated such as XXXX Bank then list again under the collection agency XXXX neither debt has been validated. As of XX/XX/XXXX I have submitted the letter below. 

XX/XX/XXXX XXXX XXXX XXXX 2A XXXX, NJ XXXX XXXX : XXXX XXXX DOB : XXXX/XXXX/XXXX Report # XXXX Trans Union, Consumer Solutions P.O. Box XXXX XXXX, PA XXXX Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I XXXX be entitled to under Section XXXX and Section XXXX regarding your continued willful and negligent noncompliance. 

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You stated in your responses to my XXXX dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after XXXX written requests is also evidence of your willful disregard of XXXX 

Also there is an account in my credit file which is duplicated, XXXX is the alleged original creditor XXXX # XXXX then relisted under a collection agency XXXX XXXX # XXXX. For starters XXXX of these accounts need to be deleted as its report duplicate. Secondly both need to be deleted if the account/ debt can not be verified. 

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do n't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the XXXX will order you to delete them. 

You say that you have reinvestigated these accounts but you 've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of XXXX ( a ) ( XXXX ). 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of XXXX XXXX and evidence of your willful disregard of the law. 

Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' I request that you do this immediately. 

The law is very clear as to the XXXX liability and the remedy available to me XXXX XXXX XXXX & XXXX XXXX if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.

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