Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Greetings, I have attached a copy of the letter previously sent to your agency where I requested PHYSICAL PROOF/VERIFICATION of an account that is being INACCURATELY furnished on my credit report. Not only did your agency fail to do a reasonable investigation, you also refused to provide me with the documentation I requested as outlined in my consumer rights in the Fair Credit Reporting Act. Section 611 states I have the right to not only request a reasonable verification, but a right to request written instruction on the procedure that was used to make this determination. However, your agency has failed to comply. Your duty is to ensure accuracy prior to accounts being furnished on my credit report. 15 USC 1681eb states you MUST ENSURE MAXIMUM POSSIBLE ACCURACY.

The following inaccuracies still exist on the account listed below : XXXX Account # XXXX You are reporting a past due balance of {$17000.00} on a charged off account. Also, date open is wrong, high credit limit is wrong, date report is WRONG, date of Last Active is WRONG, date of last payment is WRONG. You stated the last payment was XX/XX/XXXX, Last Active was XX/XX/XXXX and Last report was XX/XX/XXXX. You are not in compliance and this account needs to be deleted immediately. 

XXXX XXXX  Account # XXXX Youre reporting a past due balance of {$5900.00} on a charged off account, date report is WRONG, date of Last Active is WRONG, date of last payment is WRONG. You reported last payment XX/XX/XXXX, Last active XX/XX/XXXX and last report XX/XX/XXXX. How is this possible?!? You are not in compliance and this account needs to be deleted immediately. 

XXXX XXXX  Account # XXXX date report is WRONG, date of Last Active is WRONG, date of last payment is WRONG. For example, you stated the last payment was XX/XX/XXXX, but XXXX and XXXX of XXXX were reported on time. Also, this collection is a charge off, how can it have late payments!?!? You are not in compliance and this account needs to be deleted immediately. 

XXXX XXXX XXXX # XXXX The collection is a charge off account and has open date of is XX/XX/XXXX and XXXX XX/XX/XXXX. All three credit is not reporting the accuracy and this Violation of 15 USC 1681s-2 and I request your method of verification.

Balance due when the account was sent to collections for an alleged past due balance? This account is listed as charged-off which is canceled debt and considered by the Internal Revenue Service IRS ) as ORDINARY INCOME, I have not received to date the 1099-C that is required to be sent in order to be considered for income? Also, meaning this company received a tax write-off for this canceled debt and the inaccurate account remains on my credit report. Your agency still continues to furnish this inaccurate unverifiable information, directly and intentionally violating my rights as a consumer. My next step would be to escalate this demand and send an invoice to your agency for practicing negligence and willful non-compliance with my consumer rights in regard to the laws outlined in the Fair Credit Reporting Act. This invoice will be made out for {$1000.00} per inaccuracy ( also outlined in the Fair Credit Reporting Act ) as I have proof of several inaccuracies on this account, and your refusal to delete after also being aware of these inaccuracies.

This is not a request for a re-investigation due to your prior misconduct and complete disregard for the law, I am demanding an IMMEDIATE DELETION within 14 days of the receipt of this letter. The period outlined in the FCRA for re-investigation has passed and shall not be extended by law. This request was sent certified mail for tracking purposes. Please delete this inaccurate account immediately to avoid further escalation. I am confident that your agency will practice integrity and do your due-diligence in correcting these erroneous errors. Please DELETE to avoid further mental health and stressors associated with having inaccuracies furnished on something so important like my credit file, which will result in additional invoicing for pain and suffering.

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