Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On  XXXX / XXXX / XXXX , I sent a certified letter to Transunion requesting to dispute  XXXX  accounts that were reporting on my credit report. When I pulled my report, I noticed that there was a  XXXX   XXXX   XXXX  account that was n't mine, and also a  XXXX   XXXX  account that was reporting incorrectly. Transunion had 30 days to complete this investigation, as per the Fair Credit Reporting  Act Section 611 ( a ) ( 1 )  ( A ) which they DID NOT DO! Despite ignoring my request, I took it upon myself to directly dispute my concerns with the  XXXX  creditors myself.     On  XXXX / XXXX / XXXX , I called  XXXX   XXXX  and spoke to a representative that advised me that they were reporting my account correctly on my credit report. The representative stated that my account status was closed, and my payment status was Paid In Full and there were no other negative remarks being reported on this account. The representative also stated that they would e-mail me a " Paid in Full '' letter to send to Transunion so my account can be updated accordingly, which  XXXX  had done so. On  XXXX / XXXX / XXXX , I sent a certified letter to  XXXX   XXXX   XXXX  disputing the account and requesting for validation. To date,  XXXX   XXXX   XXXX  has not responded to my dispute request, did not mark the account on my credit report as disputed, nor did they send me any validation showing I owe them anything.     So on  XXXX / XXXX / XXXX , I sent Transunion another certified letter requesting a reinvestigation for these  XXXX  accounts. I provided the certified letter that I sent to   XXXX   XXXX   with tracking showing Transunion I had tried to resolved this myself to no avail. I requested that Transunion send me any documents bearing my signature that with show validity of this account. I even asked how they were verifying an account, in which they said they contact  XXXX   XXXX   XXXX  but could n't provide me with a name of the person they verified it with. I also sent Transunion the " Paid in Full '' letter that  XXXX   XXXX  sent me, so they could update my account accordingly. Transunion has once again stated that they have verified each  one of  these accounts and they are reporting accurately. THIS IS NOT TRUE. I DO N'T KNOW WHO  XXXX   XXXX   XXXX  IS. I HAVE NEVER DONE ANY TYPE OF BUSINESS WITH THEM AND TRANSUNION NOR   XXXX    XXXX   XXXX  PROVIDED ME WITH VALIDATION. ALSO, THE  XXXX   XXXX  ACCOUNT IS STILL REPORTING INACCURATELY.     Transunio n DID  NOT conduct a proper investigation, and they used their  XXXX  system to verify information that is clearly wrong. I DO N'T CONSENT TO THE   XXXX   system, because it does n't provide accurate details of an account nor do you speak with a human being to get an understanding of whether this is a legitimate, accurate, and valid account. Transunion is blatantly reporting inaccurate information despite the proof that has been sent to them. Also, Transunion, DID NOT mark these accounts as disputed nor did the creditors, which is clearly another violation of the FDCPA. I will be seeking in litigation {$1000.00} per violation for  : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act & FDCPA.

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