Consumer complaint received 2020-03-05
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:
XXXX XXXX XXXX, WHERE TO START, FIRST YOU WERE SHOWING A PAYMENT AFTER THE ACCOUNT WAS CHARGED OFF. THEN YOU CLAIMED THAT THIS WAS WHEN THE ACCOUNT WAS SOLD TO COLLECTIONS, THIS IS A LIE, AND I COUGHT YOU ON IT! I CALLED XXXX XXXX XXXX, AND THEY HAVE NO RECORDS ON THIS ACCOUNT OTHER THAN IT WAS CLOSED, AND CHARGED OFF, AND THERE HAS BEEN NO ACTIVITY ON THIS ACCOUNT SINCE XXXX! YOU CLAIM THAT THE ACCOUNT WAS CORRECTED TO SHOW IT WAS PAID TO COLLECTIONS AFTER IT WAS CHARGED OFF, AND THAT WAS WHAT THE PAYMENT WAS FOR, THIS IS A BOLD FACED LIE. I SPOKE TO XXXX EMPLOYEE NUMBER XXXX, AT THE NUMBER XXXX, AND HE EXPLICITLY TOLD ME THAT THEY HAVE NO INFORMATION ON THIS ACCOUNT. ( HOW TO READ MY REPORTS ) ( PURPLE IS DELETED ON OLD REPORTS, GREEN ARE GOOD ACCOUNTS, AND YELLOW ARE DISPUTED ACCOUNTS. ) SO HOW EXACTLY ARE YOU SUPPOSEDLY VERIFYING THIS ACCOUNT WHEN THE CREDITOR REPORTING IT HAS NO INFORMATION ON IT! THIS ACCOUNT WAS NEVER LEGALLY INVESTIGATED OR VERIFIED. YOU'RE REPORTING FALSE INFO, I NOW HAVE PROOF! ALSO TO COMPOUND THE FALSE INFORMATION YOU ARE SHOWING A LAST DATE OF ACTIVITY AS OF XX/XX/XXXX, IS THAT EVEN POSSIBLE WHEN THERE HAS BEEN NO ACTIVITY ON THIS ACCOUNT SINCE XXXX. I HAVE AN OLD COPY OF MY CREDIT REPORT SHOWING THAT THE LAST DATE OF ACTIVITY WAS XX/XX/XXXX. DELETE THIS FALSE INACCURATE ILLEGAL ACCOUNT IMMEDIATELY! DO NOT UPDATE IT, DO NOT CHANGE IT, DELETE IT FOR FALSE INFORMATION IN MULTIPLE WAYS. AS I STATED BEFORE, THE CREDITOR HAS NOT DATA ON THIS ACCOUNT! I AM ATTACHING MY CREDIT REPORT TO SHOW THE TWO LAST DATES OF ACTIVITY! CLEARLY YOU ARE NOT CONDUCTING A PROPER INVESTIGATION! 

XXXX XXXX XXXX. 
YOU ARE RE-AGING THIS DEBT ILLEGALLY, THERE HAS BEEN NO ACTIVITY ON THIS ACCOUNT, NO PAYMENTS, AND NO CONTACT, AND YET YOU CONTINUE TO ILLEGALLY RE-AGE THIS DEBT BY CONSTANTLY UPDATING THE DATE OF LAST ACTIVITY. THERE IS NO ACTIVITY ON THIS ACCOUNT, AND YOU ARE VIOLATING FDCPA BY PROVIDING FALSE INFORMATION TO THE CREDIT BUREAUS, PROOF IS IN THE 2 CREDIT REPORTS I AM SUPPLYING. I AM DEMANDING THAT YOU IMMATERIALLY DELETE THIS INFORMATION, AND CLOSE THIS ACCOUNT FOR VIOLATIONS OF THE FCRA, AND FDCPA. I USED THE CASE LAW US VS NCO INCORRECTLY, THIS IS HOW IT NEEDS TO BE USED. YOU ARE COMMITTING THE SAME VIOLATIONS AS XXXX, AND YOU ARE CAUGHT, THE PROOF IN IN MY CREDIT REPORT! YOU ARE DOING THIS MALICIOUSLY TO KEEP THE DEBT CURRENT, AND EXTEND THE SOL DATE AS TO WHEN THIS ITEM WILL FALL OFF OF MY CREDIT REPORT! YOU ARE DOING THIS ON ALL OF THE ACCOUNT ON MY CREDIT REPORT! THE DATE OF FIRST DELINQUENCY SHOULD BE SHOWN AS XX/XX/XXXX WHEN THE BILLS WHERE GENERATED. YOU ARE DOING THIS TO DO CONTINUOUS DAMAGE TO MY CREDIT AND SCORE, AND ADD TIME TO WHEN THE ACCOUNT WILL FALL OFF MY CREDIT REPORT. THIS IS NO ERROR, I HAVE EVIDENCE THAT YOU ARE CONTINUING TO UPDATE THIS DATE. 


XXXX XXXX XXXX XXXX, YOU HAVE REPEATEDLY SAID THAT THESE DEBTS ARE VALID, AND YOU SENT ME A VALIDATION PACKAGE, CONTAINING MY MEDICAL BILLS, INCLUDING MY TREATMENTS, WITHOUT MY HIPPA CONSENT FORM. YOU ALSO ARE RE-AGING THE DEBT IN VIOLATION OF THE FDCPA, AND FCRA. YOU HAVE DONE THIS ON ALL ACCOUNTS SHOWING ON MY CREDIT REPORT! YOU HAVE ALSO REAGED MY DEBTS BY UPDATING THE DOLA, IN VIOLATION OF THE FCRA! 

XXXX XXXX HAS ALSO REPEATEDLY RE-AGED THE DEBT IN VIOLATION OF FCRA, AND FDCPA. 
XXXX/XXXX XXXX  THERE ARE TWO DIFFERENT DATES OF LAST ACTIVITY, HOW IS THAT POSSIBLE, THERE CAN ONLY BE ONE. DELETE THIS ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING.

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