Consumer complaint received 2016-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have reviewed your response along with the information you have provided regarding this issue. AS YOU ARE IN FACT NO DOUBT AWARE THAT MY REQUEST WAS CLEARLY WRITTEN, AND PROVIDED TO YOU VIA THE CFPB PORTAL TO ENSURE PROPER DELIVERY AS OF TODAY 'S DATE XX/XX/XXXX YOU HAVE LEGALLY FAILED TO VALIDATE THESE ALLEGED ACCOUNTS INFORMATION ACCORDING TO THE FAIR DEBT COLLECTION PRACTICES ACT! 

I DID NOT REQUEST THAT A " VERIFICATION '' BE MADE IN REGARDS TO THESE ALLEGED ACCOUNTS INFORMATION. 

I REQUESTED THAT A LEGAL VALIDATION BE MADE PURSUANT TO 15USC 1692G SEC 809 ( b ). 

On XX/XX/2016 and/or XX/XX/2016, I requested that a validation be made in regards to these alleged accounts that, XXXX, XXXX, Texas Federal Court # XXXX , XXXX*** , XXXX***, XXXX***, XXXX***, XXXX***, and/or XXXX***. ARE CURRENTLY ILLEGALLY REPORTING THESE INVALIDATED ACCOUNTS ON MY PERSONAL CREDIT REPORT. AS THEY ARE NO DOUBT AWARE THAT THIS IS A DIRECT VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT, TO CONTINUE TO REPORT THESE INVALIDATED ACCOUNTS INFORMATION! 

In response to the investigations, the disputed information was verified not LEGALLY VALIDATED AS I HAVE THE LEGAL RIGHT TO REQUEST. AS YOU TOO ARE ALSO IN FACT NO DOUBT AWARE THAT YOU TOO ARE CURRENTLY IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT LAWS, BY CONTINUING TO REPORT THAT THESE ALLEGED INVALIDATED ACCOUNTS INFORMATION ARE ACCURATE, WHEN IN FACT THERE HAS BEEN NO PROVIDED LEGAL COMPETENT PROOF THAT THEY ARE! 

In order to validate the accuracy and completeness of these item ( s ), I have requested that the source of the information provided me with a complete and legal VALIDATION OF THESE ALLEGED DEBTS! 

XXXX XXXX XXXX of my dispute, HAS NOT BEEN LEGALLY VALIDATED WITHIN THE 30 DAY TIME FRAME ALLOWED TO THEM BY LAW! In response to the investigation, the disputed information was verified, NOT VALIDATED ALL REFERENCES TO THESE ACCOUNTS MUST NOW BE LEGALLY REMOVED! 

I requested a XXXX into Texas XXXX XXXX # XXXX. As a result of the investigation, the disputed information was verified, NOT LEGALLY VALIDATED AS I HAVE THE LEGAL RIGHT TO REQUEST, AS OF TODAY 'S DATE THE TEXAS FEDERAL COURT HAS LEGALLY FAILED TO VALIDATE THIS ALLEGED ACCOUNTS INFORMATION, AND PER THE LAW THIS ALLEGED ACCOUNTS INFORMATION MUST NOW BE REMOVED! 

I requested that XXXX XXXX XXXX XXXX, legally VALIDATE THESE ALLEGED ACCOUNTS INFORMATION WITH ME, AS OF TODAY 'S DATE AS THEY ARE IN FACT NO DOUBT AWARE THAT THEY HAVE LEGALLY EXCEEDED THE 30 DAY TIME FRAME ALLOWED TO THEM BY LAW! THESE ALLEGED ACCOUNTS INFORMATION MUST NO BE COMPLETELY REMOVED AS SOON AS POSSIBLE. In response to the investigation, the disputed information was verified, NOT VALIDATED! 

I requested that XXXX XXXX XXXX, legally VALIDATED THESE ALLEGED ACCOUNTS INFORMATION WITH ME! AS OF TODAY 'S DATE THEY HAVE LEGALLY FAILED TO VALIDATE THESE ALLEGED DEBT WITHIN THE 30 DAY TIME FRAME ALLOWED TO THEM BY LAW. In response to the investigation, the disputed information was verified, ONLY IT WAS NOT LEGALLY VALIDATED WITHIN THE TIME FRAME ALLOWED TO THEM BY LAW. AS YOU TOO ARE ALSO IN FACT NO DOUBT AWARE THAT YOU ARE CURRENTLY IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT LAWS, BY CONTINUING TO REPORT THAT THESE ALLEGED ACCOUNTS INFORMATION IS ACCURATE, WHEN IN FACT THERE HAS BEEN NO PROVIDED LEGAL PROOF THAT THEY ARE! 

I REQUESTED THAT XXXX XXXX XXXX, LEGALLY VALIDATE THIS ALLEGED ACCOUNTS INFORMATION WITH ME AS PER THE FAIR DEBT COLLECTION PRACTICES ACT REQUIRES, AND AS THEY ARE IN FACT NO DOUBT AWARE THAT THEY HAVE LEGALLY FAILED TO VALIDATE THIS ACCOUNT WITHIN THE 30 DAY TIME FRAME ALLOWED TO THEM BY LAW!

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