Consumer complaint received 2016-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Enclosed you will find a copy of the TransUnion Credit Report for XXXX XXXX dated XXXX XXXX, XXXX which was provided as a result of an investigation the disputed XXXX Loan Number XXXX secured by property XXXX XXXX XXXX, XXXX, Pa XXXX. As you can see from the reporting on the TransUnion Credit report the XXXX Loan Number is XXXX is being reported as a unsecured credit account that has been ( C/O ) Charge Off and never ( FC ) foreclosed or ( RPO ) repossession as reported to the Internal Revenue Service.On XXXX XXXX, XXXX for Summary Judgment 1 ) On XXXX XXXX, XXXX Summary Judgment was granted in the amount of {$30000.00}. 
2 ) On XXXX XXXX, XXXX XXXX to Enter Judgment was filed 3 ) On XXXX XXXX, XXXX XXXX for Execution was filed 4 ) On XXXX XXXX, XXXX Sheriff 's Return Writ of Execution 5 ) On XXXX XXXX, XXXX Sold to XXXX Bank for {$1.00} 6 ) On XXXX XXXX, XXXX Sheriff 's Deed was issued. 
7 ) On XXXX XXXX, XXXX file a Real Property A ction of Ejectment XXXX XXXX XXXX of Common Pleas Case No : XXXX XXXX ) On XXXX XXXX, XXXX Property was sold for {$45000.00} to XXXX XXXX XXXX XXXX XXXX I have provided complete an irrefutable evidence with the provided documents and TransUnion has since has since changed their reporting of this XXXX Bank debt to simply ( C/O ) and removed ( F/C ) Foreclosure and added ( PRL ) Unpaid Balance Charge Off and ( DRG ) Dispute Investigation Complete - Reported By Granter. XXXX Bank is using the TransUnion as a collection tool in an attempt to collect a debt that is not owed and is concealing that this was a foreclosure mortgage and reporting that this was an unpaid unsecured ( Installment Loan ) to circumvent the protections provided under Pennsylvania JUDICIAL CODE ( 42 PA.C.S ) - SIX MONTHS LIMITATION AND DEFICIENCY JUDGMENT XXXX applies to this matter. This is in violation of 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:2 ) The false representation of -- ( XXXX ) the character, amount, or legal status of any debt ; ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( XXXX ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; XXXX XXXX XXXX of Common Pleas XXXX. TransUnion has been provide all of the documents including the Court Records and Sheriff Deed issued in this foreclosure action. They have since removed any reference to a foreclosure and the this account is disputed by the consumer as required by Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] 607. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 611 - 15 U.S.C. 1681i 611. ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer

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