Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I retrieved a copy of my credit report and immediately noted that XXXX XXXX XXXX XXXX had inserted a derogatory entry on my credit reports and had not sent me any correspondence ( dunning letter ) prior to doing which would have granted me 30 days as required by law to dispute the validity of the alleged debt. To that end, I communicated in writing ( see attached ), to the credit bureaus regarding this inaccurate, erroneous, unverifiable entry being placed on my credit reports. The credit bureau responded, see attached. The bureau responded that the company verified the information as correct. How so? A third-party collection company can only validate a debt. The original creditor is the only one able to verify a debt. Nonetheless, XXXX XXXX XXXX XXXX did not advise the bureaus to update the account status to disputed. This is a violation. The dispute with the bureaus was the first notification XXXX XXXX XXXX XXXX received and should have advised the bureaus at the time they allegedly validated the information that they should update the entry to disputed. 
XXXX XXXX XXXX XXXX did not and as you can see in the attached document, it does not denote it was in dispute. This violation in and of itself warrants XXXX XXXX XXXX XXXX to delete this entry. My continued efforts to remove this entry from my reports was through with a direct dispute to the company. If they were previously aware of the dispute from the bureaus and advised the bureaus that the entry was correct, they were negligent in not advising the bureaus to update the account to disputed. XXXX XXXX XXXX XXXX did not provide the comprehensive account history for this account; including but not limited to all invoices, payments, notices, documents that bear my original signature and also any documentation that reflects I agreed to levelized billing with their company. The FCRA provides that utility companies may only provide or furnish information to the credit bureaus if they provided a consumer credit. 
XXXX XXXX XXXX XXXX did not provide any documentation that bore my original signature nor did they provide or furnish an agreement reflecting their authority to collect on this alleged debt in the state of Tennessee. XXXX XXXX XXXX XXXX did not provide a copy of all terms and conditions of the account from its alleged inception. They did not provide a complete accounting ledger of the alleged debt nor did they provide the name and address of the bonding agent in case legal action becomes necessary. XXXX XXXX XXXX XXXX blatantly violated my consumer rights and continues to do so. This alleged debt lacks veracity and verification ; further since they are violating FDCPA mandates to provide me notification prior to inserting it on my credit report and ( 2 ) failing to cease collection efforts and reporting when they received the letter of dispute. This entry should be deleted from my credit report immediately and XXXX XXXX XXXX XXXX should remunerate me for the violations.

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