Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Pursuant to 5 U.S.C 552a ( i ) ( 3 ) I am requesting that ALL items disputed ( see list below ) Upon investigation completion Transunion must provide a notice which should detail the actions taken, to proof the accuracy of their investigation particularly when The third party collection has failed to validate the date as requested by CFPB XXXX XXXX XXXX XXXX Please DELETE Account # XXXX Balance {$1400.00} Please DELETE I have no knowledge of this collection account XXXX Failed to Validate this debt I Request for Documentation in Compliance with CFPB Debt Collection Regulations. I Requested for Documentation in Compliance with Fair Debt Collection Practices Act FDCPA XXXX XXXX XXXX XXXX Please DELETE I have no knowledge of this collection account XXXX  Failed to Validate this debt. I Request for Documentation in Compliance with CFPB Debt Collection Regulations. I Requested for Documentation in Compliance with Fair Debt Collection Practices Act FDCPA XXXX XXXX XXXX XXXX Please DELETE Account # XXXX Balance {$970.00} Please DELETE I have no knowledge of this collection account XXXX XXXX to validate this debt. 

Transunion refuses to provide the documents and details on how they concluded that the items disputed were accurate when the Third Party collection have failed to validate the debt to me and to CFPB : 1. My signature ( wet ) on the contract for this debt ( failed to provide ) XXXX. Chain of title for this debt ( failed to provide ) XXXX. Chain of title that gives XXXX XXXX XXXX XXXX  legal authorization to collect on this debt ( failed to provide ) XXXX. Any and ALL insurance claims filed on this debt ( failed to provide ) 5. Original signed contract that shows I am responsible for this debt ( failed to provide ) 6. My credit application for this debt ( failed to provide ) 7. Provide verification and documentation about why this is a debt that I am required to XXXX and XXXX XXXX  ( failed to provide ) XXXX. Proof that XXXX and XXXX XXXX have the legal authority to collect on this debt ( Failed to provide ) XXXX. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
( Failed to provide ) I Request for Documentation in Compliance with CFPB Debt Collection Regulations. I Request for Documentation in Compliance with Fair Debt Collection Practices Act I am writing to express my dissatisfaction with TransUnion 's response to my complaint concerning what I believe to be unfair, derogatory, and incorrect information on my credit report. Despite my persistent efforts to rectify this matter, TransUnion has, regrettably, chosen to disregard my concerns. 

In its response, TransUnion not only arrogantly dismissed my request for the removal of inaccurate information but also failed to provide any substantive details regarding its purported investigation. The refusal to furnish evidence supporting the accuracy of the disputed information raises serious questions, particularly as neither XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX any other entity has verified the contested data to date. 

XXXX**While Both XXXX and XXXX have Deleted these same incorrect data form my Credit report Transunion has, regrettably, chosen to disregard the truth and outragedly refuse to delete the FALSE data Furthermore, TransUnion 's claim of a thorough investigation completion appears to be misleading. The assertion that the disputed debt is rightfully attributed to me, and the misrepresentation of a phone as mine, is inconsistent with the facts. 
Moreover, TransUnion 's continued hindrance of my ability to access my credit report and open a new dispute is deeply troubling. 

In light of these concerns, I am formally requesting an immediate and thorough investigation into all actions taken by TransUnion, along with a detailed examination of the evidence and methods employed to arrive at the conclusion that the disputed debt is valid and should remain on my account. 

Additionally, I urge an investigation into TransUnion 's potential exploitation of XXXX XXXX particularly those lacking the financial and legal resources to challenge the company 's documented history of : Providing inaccurate information on credit reports Creating difficulties in resolving disputes Exhibiting customer service issues Failing to address data security and privacy concerns Non-compliance with regulatory requirements Upon the conclusion of the investigation, I seek compensation for : 1- the emotional distress, that TransUnion has caused and continues to cause me 2- The financial hardship, that TransUnion has caused and continues to cause me 3- The public embarrassment, that TransUnion has caused and continues to cause me 4- The hindrance in obtaining employment that TransUnion has caused and continues to cause me.

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will diligently investigate the issues raised herein. 
Sincerely, XXXX XXXX

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