Consumer complaint received 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
ADDITIONAL RELEVANT INFORMATION : I, XXXX XXXX, have made subsequent attempts to have this account reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. It has become increasingly clear that TransUnion is being willfully negligent in rectifying my affairs. I have sent numerous dispute letters and previous CFPB complaints that the information being furnished on my credit report is INACCURATE and UNVERIFIED. Transunion sent correspondence in the mail dated XX/XX/XXXX stating this account has been verified and I did not receive any information, letter, or document attached to this correspondence providing their method of verification. TransUnion has Broken the Law and Violated my consumer rights under the Fair Credit Reporting Act. TransUnion has negligently handled my consumer profile by failing to delete this inaccurate and unverified information resulting in injury not limited to being declined for new credit, XXXX XXXX XXXX XXXX. 
Listed below is the account with inaccurate/unverified information : Account : XXXX XXXX /Balance : {$8600.00} See attached documents that support inaccuracy and unverified information dispute : Exhibit A- Notice from Debt Collector that alleged debt has been sold to them Statement - XXXX  XXXX Statement Explanation of Documents Attached : On my latest credit report dated XX/XX/XXXX, TransUnion furnishes an alleged balance still owed to XXXX XXXX As per Exhibit A document the alleged debt has been sold to a debt collector and no longer belongs to XXXX. This letter is dated XXXX XXXX and Transunion states this info as verified on my report as of XX/XX/XXXX. On my latest credit report dated XX/XX/XXXX, TransUnion furnishes Date of Last Payment as XX/XX/XXXX. As per Exhibit A document the date of Last payment was XX/XX/XXXX. This information is from XXXX sent to the collection agency in regards to this alleged debt. On my latest credit report dated XX/XX/XXXX, TransUnion furnishes Date Closed as XX/XX/XXXX. As per statement from XXXX the account was not closed until XXXX XXXX, which is when the statement cycle closed. Statements were continuously generated with a new balance every month reflecting new late fees and interest charges from the date of first delinquent until the closing date on XX/XX/XXXX with a balance of XXXX On my latest credit report dated XX/XX/XXXX, TransUnion furnishes Balance as {$8.00}. As per statement from XXXX and Exhibit A document the account balance was {$8600.00}. 
Pursuant to 15 U.S.C 1681 ( b ) ( 2 ) I, XXXX XXXX, never gave TransUnion any written instruction to furnish information on my consumer report, No consent is identity theft. 
Pursuant to 15 U.S.C 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate. TransUnion negligently allowing inaccuracies and unverified information to be furnished on my consumer report has caused me to lose confidence in the banking system. 
Pursuant to 15 U.S.C 1681 My first express resolution is to be compensated for all violations as well as for injury in the form of a check to my recent address listed on my credit file within 10 days. I demand that all disputed accounts be deleted from my credit file within 5 days. I am requesting an accurate copy of my credit report once the items have been removed. I am requesting no reinsertion of the alleged debt once it has been removed.

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