Consumer complaint received 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/XXXX Ran Credit Report for 3 bureaus XXXX, XXXX  and Trans Union and found a closed account for XXXX XXXX XXXX which was not my account. XX/XX/XXXX .Sent letter to creditor XXXXXXXX XXXX XXXX XXXXXXXX. to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. Return receipt showed they received the letter on XX/XX/XXXX. No response. XX/XX/XXXX, Ran Credit : Results : All 3 credit bureaus had a Violation of my consumer rights, no comment stating the consumer disputed the account. A Fair Credit Reporting Act violation. XX/XX/XXXX Sent Creditor XXXX XXXXXXXX XXXX Letter to the same above address, no response. XX/XX/XXXX Ran XXXX Credit Results : No Change. XX/XX/XXXX Sent Letter certified return receipt Disputing The Account to XXXX XXXX and Trans Union. XX/XX/XXXX Trans Union received the letter. 
XX/XX/XXXX XXXX received the letter. XX/XX/XXXX XXXX  received the letter. XX/XX/XXXX XXXX responded updated the account. No comment stating disputed by consumer. Violation of my consumer rights. XX/XX/XXXX Trans Union sent an letter stating the account was updated. No comment stating the account was disputed by consumer. Violation of my consumer rights. XX/XX/XXXX XXXX responded with a letter sating the account was updated. No comment stating the account was disputed by consumer. Violation of my consumer rights. XX/XX/XXXX Ran Credit XXXX Results : No change. XX/XX/XXXX Sent Letter Disputing The Acct XXXX, XXXX and Trans Union. XX/XX/XXXX Trans Union Received the letter. XX/XX/XXXX Trans Union sent a response they will not re-investigate at this time. Violation of my consumer rights. XX/XX/XXXX XXXX responded with a letter stating the account was updated. No comment stating the account was disputes by consumer. Violation of my consumer rights. XX/XX/XXXX XXXX sent a letter stating the account was updated. No re-investigation will be done. No comment stating the account was disputed by consumer. Violation of my consumer rights. XX/XX/XXXX XXXX Change : Purchased By Another Lender Trans Union Change : Purchased By Another Lender XXXX No Change XX/XX/XXXX Sent Letter certified return receipt Disputing The Account to XXXX, XXXX and Trans Union. XX/XX/XXXX XXXX received the letter. 
XX/XX/XXXX XXXX received letter. XX/XX/XXXX Trans Union received the letter. XX/XX/XXXX XXXX sent a letter of updated account with no change. No comment stating the account was in dispute by consumer. Violation of consumer rights. 
XX/XX/XXXX XXXX sent a letter of updated account with no change. No comment stating the account was in dispute by consumer. Violation of consumer rights. 
TYPE OF ISSUE Their investigation did not fix an error on your report XX/XX/XXXX Complaint Print https : //complaint.consumerfinance.gov/submit-a-complaint/s/complaint-print? sessionid=cf13d9299958087eae8cd3b289fdebbade2f7155a4303d5f0082 XX/XX/XXXX XX/XX/XXXX XXXX sent a letter of updated account with no change. No comment stating the account was in dispute by consumer. Violation of consumer rights. 
XX/XX/XXXX Trans Union sent a letter of updated account with no change. No comment stating the account was in dispute by consumer. Violation of consumer rights. 
XX/XX/XXXX Called XXXXXXXX XXXX XXXX, XXXX spoke to XXXX XXXX XXXX says can not validate account because it was sold to XXXX  collection and asked me to contact them. 
XXXX  ( XXXX ) XXXX. XXXX Called XXXX  and spoke to XXXX who states that I can not speak to them about the account because its still not finished transferring to them yet. 
Spoke to XXXX who states I can send a payment to them at XXXXXXXX XXXX XXXX XXXX, IL XXXX Acct # XXXX for {$830.00}. XX/XX/XXXX Received a letter asking for additional information needed. It asked to contact the dispute team at XXXX and reference dispute # XXXX. It says if you have already spoken to a bank representative about this, disregard this letter. XX/XX/XXXX XXXX sent a letter stating a dispute by consumer comment. Too late. XX/XX/XXXX Ran Credit for all 3 bureaus with no change. XX/XX/XXXX Credit Ran for all XXXX bureaus with no change.

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