Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
The complaint is in reference of the account XXXX XXXX reported as of XX/XX/2020- {$4800.00} [ 15 U.S.C. 1681 ] Section 602 A states I have the right to Privacy ( For this reason and law alone the account should be removed! ). It also states : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.. 15 U.S. Code 1692c - Communication in connection with debt collection c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
Transunion did nothing to investigate any of this nor have they provided a true contract with this Bank/ Company . They said they launch an investigation as to whether the information was correct or not, yet they verified it with XXXX. They did not launch a proper investigation, Investigation, According to 15US code1681 ch3 e ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. However, They seem to have obtained their information directly from the creditor. They have not done the proper investigation. I had also hired XXXX XXXX XXXX to write letters asking for and investigation and they had to remove it. I am have XXXX XXXX XXXX send me those letters now in case they are needed. TransUnion has already removed this once because they could not prove the debt or produce a contract. Transunion also says they launched an " XXXX '' .but the only thing they did was UPDATE the Account according to the Company XXXX XXXX They have not investigated this debt nor the companies invasion of my privacy or the fact that they refused to cease communication and were and would not stop until they could not produce a contract. Transunion is violating my rights by not investigating this properly. This is not the first time. Their letter to me to report their investigation says nothing except that they investigated and updated the account. There is no proof of an investigation. 
It also states the this is a charged off account which means it was paid off and the balance is XXXX. They can not longer hold me accountable for this account whether it is mine or not. They no longer even own the account.

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