Consumer complaint received 2016-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have contacted XXXX several times over the last several months disputing the above account for which they are inaccurately reporting to the credit bureaus. I have submitted written letters via USPS and electronic disputes requesting complete validation of the account, debt owed and my responsibility to pay said debt. I have called the customer service line multiple times and when I enter my social security number in the automated system it states the office is closed and I 'm calling during their stated business hours. After the phone disconnects and I call back and wait for a representative without entering my social then someone finally comes on the line after extended wait periods. Before I 'm even able to get the entire reason for my call my call is disconnected. I 've encountered this for almost 2 months now. Finally on XXXX XXXX, 2016 I was able to get the entire reason for my call out and the representative informed me that XXXX XXXX no longer had my account and the only information they have regarding my account is the balance owed of {$530.00}. She gave me the number of the collection agency to contact to pay the debt, XXXX XXXX XXXX XXXX. I contacted XXXX collection agency and spoke to XXXX XXXX who also informed me that they XXXX is a credit reporting agency but do not have access to report to the credit bureau. She stated they purchased the account from XXXX XXXX but only have the amount owed and no information regarding the open/close date of the accounts, any fees incurred, transactions, payments made or the validity of the debt. She stated she could send me a letter with the balance but nothing else. I have made several attempts to get accurate information and validity of this debt. I have disputed with all three CRAs and have requested information to validate this debt. Neither the CRAs or XXXX have provided me with accurate information after multiple disputes. The Credit Reporting Agencies state that they do not require Collectors to submit documents for accounts and even with disputes that they are n't required to have that information to validate debts. I 'm confused how this could be a process as I do n't even know what XXXX is stating I owe {$530.00} for. This situation as you can imagine is causing me XXXX as well as continued denials for additional credit.In all of my previous letters I have asked for an investigation into this matter and a full copy of all accounting documentation of this reported account be furnished to me. I have also made them aware that I was in full dispute over this account. To date, I have not received anything that supports that the account the yet they continue to report incorrect negative information to the credit bureaus. XXXX has failed or refused to send the legally required validation documentation of this account, my obligation to pay and the debt.

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