Consumer complaint received 2016-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
This is a complaint against the credit bureaus for not fully investigating my disputes and very poor re-investigation. 
I have been writing the Credit Bureaus and attempting to explain to them that the information on my Credit Report is inaccurate but yet the refuse to correct it. Over the last 2-years not only has the Creditors have became a Nightmare but the Credit Reporting Agencies Especially TransUnion. TransUnion 's tell you to go online and do a dispute, and even upload documents to prove your disputes and even then, they do not update and report the accurate information. Not to mention TransUnion charges monthly fees to check or monitor you credit report and mislead you with tricks. 

Item # Reason for Deletion XXXX ( XXXX XXXX ) : Account Number : XXXX ... ..Failure to Validate Debt with ( XXXX ) please see Debt Validation Letter/ Certified Receipt and Certified confirmation that XXXX received the Debt Validation Letter. 

XXXX .... Account Number : XXXX ... ... Never Paid Late/Please see XXXX 2016 Statement XXXX XXXX .... Account Number : XXXX ... ... Update to show paid as agreed/closed/ Please see Letters from XXXX showing account paid and letter agreed to show " paid as agreed '' XXXX XXXX ... Account Number : XXXX ... ... Not My Account/Removal Letter attached from XXXX Directly Former Address Removal : ... ... ... Never Lived at that address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I wrote and faxed several dispute about the accounts referenced above. I have disputed this account information as inaccurate with TransUnion, and TransUnion have come back to me and stated they were able to verify these inaccurate accounts. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. So of the creditors and collection agencies have sent letters stating they have removed the errors. 

I enclose copies of my requests to the collection agencies and creditors, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. Some of these debts are not mine and inaccurate and I was given no evidence of my obligation to pay this debt to any collection agency. 

After contacting XXXX XXXX directly multiple times, I was told that XXXX XXXX does not have this debt anymore and it is now owned by XXXX XXXX XXXX Recovery Department. When asked about information concerning the XXXX XXXX card they transfer me back to XXXX XXXX who still has yet to send any documentation validating the amount owed, a statement or even anything showing that XXXX converted XXXX XXXX Credit Card, but yet EACH Credit Reporting Agencies, XXXX, TRANSUNION and XXXX still shows a debt with XXXX XXXX. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that TransUnion can not verify the item pursuant to the FCRA, and TransUnion continues to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may need to sue TransUnion in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter

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