Consumer complaint received 2016-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX several occasions I have contacted TransUnion LLC in regards to some allege debt of XXXX that has been reporting on my credit report as derogatory or negative item. I request on many occasion that this credit bureau validate the allege debts but Transunion fail to investigate this allege negative item. NOW I WANT THIS ACCOUNT DELETED FROM MY CREDIT REPORT BECAUSE TRANUNION IS INCORRECTLY REPORTING THIS ALLLEGE ACCOUNT AND ALSO TRANSUNION DID NOT INVESTIGATE THIS ALLEGE NEGATIVE ITEM. The credit bureau is supposed to request verifiable proof not partially but in whole according to federal law. The law requires the bureau to only report the negative item if they have XXXX percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is supposed to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. TransUnion is reporting XXXX as a negative item on my reporting. It is reporting the allege account as a charge off and collection account it which is incorrect. Now that information is incorrect. The highest balance being reported on this alleges account is also incorrect. Also late payments is showing on this account, past due amount is also showing along with the charge off amount. This is incorrect reporting because account has been sold or transfer to a debt collector. Also these allege account has been Re-Aged and this is illegal. I was this account deleted from my credit files because of On several occasion I have disputed these allege item and although TransUnion fail to provide me with require information that these allege debt are XXXX percent accurate, TransUnion still report this allege item without proper validation. The last phone call I made to Transunion in regards to this illegal reporting of this account on my credit file, I spoke to rep XXXX and he asking me to provide him with the accurate information so that Transunion can update their file. Now this is illegal because Transunion should not be reporting negative information with XXXX proof, also because XXXX requested for me to provide him with the accurate information it shows that Transunion did not investigate this allege negative item, and THIS IS ILLEGAL ACCORDING TO FEDERAL LAWS. TransUnion needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. TransUnion is supposed to exercise their responsibility with fairness, impartiality and respect for all consumers. TransUnion never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. TransUnion is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only supposed to be reported when you have XXXX percent verifiable proof. Now TransUnion continue to report negative items on my credit report and fail to provide me with XXXX percent accurate, legitimate validation of allege negatives that they are reporting on m y 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