Consumer complaint received 2017-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On as man y as 10 o ccasions over the past year and as recently as  XXXX  of  2017, I h ave submitted disputes with TransUnion regarding an illegal tradeline on my credit report. The illegal creditor in question is  XXXX   XXXX   XXXX   XXXX . I have provided evidence that this lender is not legally licensed to offer loan products, nor collect in the state of Florida and this tradeline is therefore illegal and unenforcable under FL Statute  516 of the Consumer Finance Act. I have rep eatedly demanded validation of this debt and evidence of legal license from the creditor only to be told that the debt has been sold and verification is not provided. In  XXXX     2017 fo llowing the closing of my dispute with  XXXX  as " verified '', I contacted the creditor again demanding compliance with the FCRA, FDCPA and FL Consumer Finance Act by either providing evidence of the legality of the debt and full validation or removing this illegal account.  XXXX   XXXX  responded with a statement that they do not need to comply claiming tribal immunity. They then blocked my phone number and email preventing continued communications, sending me a letter shortly after attempting to extort {$280.00} to settle the alleged account.     A brief search of the CFPB database shows that this particular creditor is well known to be an illegal, online predatory lender who does not conform to state or federal law and routinely holds people 's credit repor ts hostage to  extort money from them.     I have repeatedly disputed this account with TransUnion only to be told that it had been " investigated '' and found to be valid. This is simply not possible as the creditor themselves has refused verification and a simple check of the online   XXXX   XXXX   XXXX   XXXX   XXXX    l icense database shows that they do not possess a loan origination or collection license, therefore making the entire alleged debt illegal, invalid, and unenforceable under state law.   XXXX   XXXX   XXXX       Statute 5 16 of the Florida Consumer Finance Act  clearly states that a license is required in order to make consumer finance loans as well as very strict guidelines on interest rates and terms that  XXXX   XXXX  is also in violation of. The law states that loans not in accordance with this statute are invalid and unenforceable.     TransUnion is in violation of the FCRA in that they are purporting to perform investigations and verifications that they are clearly not doing. Further, they are knowingly and willingly continuing to report negative information that has been proven invalid. According to the Fair Credit Reporting Act, information that can not be verified or is found to be invalid must be removed from credit reporting. TransUnion is in willful non-compliance with this law. I am asking for the CFPBs help in enforcing the FCRA and having TransUnion remove this illegal and invalid tradeline from my credit report.

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