Consumer complaint received 2017-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In    XXXX   XXXX   2017  ,  I provided the  XXXX , Transunion and   XXXX   with documentation sent to  XXXX   XXXX   XXXX  ( a debt buyer ) requesting verification of an alleged debt which was being reported to the bureaus by them, includi ng : 1 ) signed agreement between them and creditor granting them authority to collect on alleged debt ; 2 ) proof of assignment or sale of alleged debt from original creditor to them ; and 3 ) complete payment and accounting history of alleged debt. I requested that the  information be furnished within thirty days, or the account removed from my reports. I n   XXXX   XXXX   2017, I  submited additional correspondence to  XXXX   XXXX   XXXX  informing them that they had failed to comply with my verification request, and, as such, the item should be removed from my reports immediately.     I provided copies of all correspondence between me and  XXXX   XXXX   XXXX  to   XXXX    Transunion and  XXXX  on    XXXX   XXXX  , 2017     ( s ee attached ) and requested that they remove the item from my reports. In response, all  XXXX  bureaus opened disputes on my behalf, and all of the disputes have since been closed by all  XXXX  bureaus based on statements they received from  XXXX   XXXX   XXXX  stating that the debts had already been validated.     I contacted each of the bureaus and asked how the investigations were conducted, and I was advised that they notified the  XXXX  of my dispute electronically, and in return,  XXXX  provided a statement certifying that the account had been validated. I requested copies of the communications between them and  XXXX  ; however, each agency advised me that they were unable to provide me with copies of any electronic communication sent or received from  XXXX .     I voiced concern to all   XXXX   agencies expressing, what I feel is, a conflict of interest between them and  XXXX   XXXX   XXXX  ( and all other debt reporter s ), sinc e these reporters pay a fee to establish an account with them and are required to pay additional charges each month in order to maintain the ability to provide reports to them concerning consumers. I advised the bureaus that this conflict of interest, in my opinion, would make it non-beneficial to them monetarily to have inaccuracies removed from a consumer 's credit report, since removal of these items could possibly result in the closing of a reporter 's account with them and a possible loss of revenue on their part. I further advised them that I felt their investigation process was discriminatory because of this, and did not allow consumers the right to a fair and impartial investigation, especially given that all they required from  XXXX   XXXX   XXXX   ( and other reporters ) was a  response to the dispute.     I do not feel these agencies did their due dilligence in investigating my claims, and I also feel that the conflict of interest that exists between them and reporters who are paying for their services will prevent them from ever doing so.     As such, I would like proof of the certifications and any contracts or assignments provided to them by  XXXX   XXXX   XXXX  proving my legal liabilityto them for the alleged debt they are reporting against me, and in the absence thereof, immediate removal of this item from my 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