Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I submitted an investigation in the account XXXX XXXX XXXX is reporting on my credit reports that were previously removed by due to being inaccurate and not verified. Once again, the company did not provide verification as requested in complaint and it has been passed 30 days, the debt is inaccurate. Furthermore, On the last page of the statement sent it states " This account summary has been prepared by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. It is not a credit card or other account statement from the original creditor. This agency is fabricating its own statements. This account is inaccurate for the balance reporting is to the credit bureaus is {$550.00} but, on this statement, it says {$550.00}. Also, the statement shows that he last payment in the amount of {$380.00} was received on XX/XX/XXXX but the date of last activity is blank. 

XXXX XXXX XXXX is the company name that show on my credit reports but there are operating under a company called XXXX XXXX XXXX to resolved issues and therefore contact information is not correct. Never authorized company to handle any unknown accounts in my name. The account was previously removed by XXXX XXXX XXXX due to being inaccurate and unverifiable that now this company is trying to collect. 

This account is having not been verified and I also pointed out some inaccuracies with information that the company is reporting that doesnt belong to my report in the first place. I have attached my letter sent to the company on XX/XX/XXXX and their response. 
I am demanding removal of accounts from my credit report and any of my personal information purged from your system and to never be used again. I am demanding {$2000.00} per account you have illegally reported and purposely refused to resolve and verify in your last investigation mailed to my address on this letter via check. 

Please be aware, I am maintaining a careful record of my communications with you and dependent upon your prompt response and full compliance to resolution, I will be detailing any potential issues with your company via an online public press release, including complaint due Failure to respond satisfactorily within seven ( 7 ) days of receipt of this certified letter may result in more intensive actions against your institution for willful neglect to the leaders listed below : Cc : Head of Federal Deposit Insurance Corporation., Mrs. XXXX XXXX Cc : Head of Office of Comptroller of The Currency., Mr. XXXX XXXX Cc : Head of Federal Trade Commission. , Mrs. XXXX XXXX Cc : Head of Consumer Financial Protection Bureau. , Mr. XXXX XXXX Cc : Head of US Attorney Generals Office. , Mr. XXXX XXXX Cc : Head of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS, XXXX

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