Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 a continuation from CFPB complaints XXXX and XXXX. I have sent several letters to Tranunion and filed CFPB complaints. Transunion has STILL failed to verify the debts for XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX. After several requests they have NOT supplied documents used to verify the debts as requested. Instead they have attempted to stall verification by not responding or responding in a foreign language. The most recent response I received from Transunion dated XXXX the account was verified and updated.Transunion ILLEGALLY changed the date the account was closed to XX/XX/2022. To my understanding an account can not be with collections and past due. The account XXXX is reporting past due {$1800.00}. This is damaging to me and my credit file.Transunion has failed to investigate and verify the account. They DID NOT provide validation for the account after several requests.They are ILLEGALLY changing the date to change the reporting time. This account was removed by XXXX and XXXX how can it be truthful Transunion verified this account? XXXX XXXX XXXX XXXX # XXXX I received the same responses as the XXXX account. XXXX XXXX XXXX XXXX is also reporting as past due {$500.00}. This account is listed as an open account. A collection account can not be open. These accounts should be removed IMMEDIATELY! Transunion is report information that is damaging costing me credit denials, paying more interest, and rental denial. They report false information and respond with a lie stating " verified ''. This should NOT be allowed! I will include their letter sent to me dated XXXX it shows XXXX XXXX XXXX XXXX and XXXX XXXX XXXX as a open past due collection accounts.Please hold Transunion accountable and request IMMEDIATE removal of these account. I take my credit very seriously it's unfair for this information to be reporting. Included below is two of the several letters sent to Transunion. There's others included on the CFPB complaints noted above. The letter dated XXXX it wasn't received by me until XXXX. This is clearly another stall attempt. XXXX XXXX is only one day there's no way it would take that long for me to receive. I have sent letters to them as well and they update verified in a matter of 2-3 days after I sent a letter. I have informed delivery with USPS it shows mail I will receive for the day. I included a picture proving their letter was received by me XXXX. Transunion has NOT investigated anything I received 2 responses on XXXX dated XXXX and XXXX on both state verified as accurate for the account XXXX XXXX XXXX XXXX XXXX XXXX. This is FALSE! As a consumer under FCRA states you have to tell me within 15 days if I ask. Under Section 611 of the FCRA, I requested a Proper Reinvestigation of the Disputed Items, Under Section 609, I requested copies of all documents and correspondence ( including all names and contact information of all employees that the Transunion Agent spoke to as part of this investigation ), that was used to verify these inaccurate accounts as being accurate, and Under Section 610, I provided all the proper Identification that is required, in order to get all information Under Section 609. The disputed items are listed in all the current open Transunion that was filed on It's my right to request to know how the accounts have been verified.I asked to know they verified if it was verified through the form or electronically.I asked to be provided with information how the accounts were verified. I have NOT received anything I requested. The generic responses " VERIFIED '' is not going to cut it. I DEMAND deletion of the accounts immediately!

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