Consumer complaint received 2017-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been a  XXXX  customer for the last 18 years and I have never been associated with any product or service from  XXXX .     I pulled a tri-merged report in  XXXX  o f 2016 in o rder to require vital financing for my business. I was surprised to see a charge off/collection account being reported by a debt buyer -  XXXX   XXXX   XXXX  - stating it was for a  XXXX  account in the amount of {$600.00}. This account was reporting on all three bureaus.     On  XXXX   XXXX  , 2016 a le tter was drafted and mailed, via certified mail with return receipt and signed for on  XXXX   XXXX ,   XXXX  , stating : " This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I h ave ( or ever had ) so me contractual obligation to pay you. '' Full letter will be attached.     Absolutely no response to this communication so a follow up letter was drafted on  XXXX   XXXX ,    2016 a nd mailed, via certified mail with return receipt and signed for on  XXXX   XXXX ,    2016, sta ting : " This letter is a follow up to my original letter dated  XXXX   XXXX ,    2016 reg arding an inaccuracy on my credit reports, regarding account #  XXXX , which you claim I owe {$600.00}.   Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on  XXXX   XXXX ,  2016 . '' Full letter will be attached.     Ag ain zero co mmunication from this collector. I did however, notice that the account had been removed from Equifax on  XXXX   XXXX  , 2016  and from from  XXXX  and Transunion on  XXXX   XXXX ,    2016.  This was great news, but short lived. The company immediately re-inserted the account now as a new collector -  XXXX ,  XXXX , with a new address - no longer in  XXXX ,   XXXX   but  XXXX ,  XXXX  and a new account number. This was now showing as a new collection account and had a very dramatic negative impact on my profile, my ability to gain vital financing for my business, and ultimately my personal and family finances.     This re-insertion was done unlawfully as the consumer was not notified within 5 days of the re-insertion to my report. I sent a re-insertion letter to  XXXX  and the  XXXX  bureaus to dispute the re-insertion and requested that they comply with the provisions of FC RA SOS 611, Pr ocedure in case of disputed accuracy  [ 15 U.S.C. SOS 1681i ]  - Full letter will be attached As expected no response or communication from  XXXX . The bureaus took it upon themselves to create disputes. The result of these disputes were that  XXXX  " verified '' to the bureaus the legitimacy of this account. I never received the documentation or information used for this verification.     I was instructed to dispute with the  XXXX  directly. I have done this and the bureaus continue to " verify '' the account as valid through  XXXX . I have now asked multiple times for the documentation or information provided to the bureaus to validate the legitimacy of this account and to date have received nothing from  XXXX  and  XXXX ,  XXXX  or Transunion have only provided statements like, " verified, " remains '', " updated '', etc. no evidence of validation.     I find it a bit odd that I have had  XXXX  communication from  XXXX  in 10 months and yet the bureaus can continue to verify this account without providing any supporting information to the claims of the accounts validity.     The lack of communication from  XXXX  has proven my suspicion that this is an erroneous and fraudulent attempt by a predatory collector to extort funds from consumers. There is a  XXXX  on the FTC  Banned Collectors Lis t, is this them??!

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