Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently reached out to Trans Union via Affidavit dated XXXX XXXX 2021 in regards to a credit report from Trans Union that revealed There is an item listed as pertaining to me, in the amount of XXXX that I do not recognize, which is negatively affecting my credit and causing me distress in a variety of ways. The furnisher of the alleged debt is XXXX  XXXX. I advised Trans Union that According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I was never given notification by XXXX XXXX of the alleged debt prior to it showing up on my credit report I was never given the opportunity by XXXX XXXX  to request documentation that could validate the alleged debt. 

I was never given notification that I had 30 days to respond to the accusation of debt by XXXX XXXX before it could be assumed as pertaining to me. 
XXXX XXXX has engaged in clear violation of the Fair Debt Collection Practices Act : Section 809. Trans Union at the point of this complaint still has not responded, I gave them a follow up phone call on XXXX XXXX to check the status and they stated that they could not locate the Affidavit. Unfortunately for me the damage and stress continues with each passing day. I have reached out to XXXX XXXX  and advised them of their violations and requested that they stop the erroneous reporting but they will not. I am now hoping to resolve this issue through Trans Union if they are not immune to the Fair Credit Reporting Act. During my recent phone call with Trans Union I also addressed an ongoing issue with an item reported by XXXX XXXX. This is another instance of clear violations of the Fair Debt Collection Practices act as well as Fair Credit Reporting Act. I have also sent letters to TransUnion in regards to XXXX XXXX several times throughout the years, I also have reached out to XXXX XXXXr for Original Signed Documentation that I could inspect to test the validity of the alleged debt and XXXX XXXX respond with a letter stating that they did not have to provide the documents requested. I have mailed disputes to TransUnion with the attached documentation that XXXX XXXX refuses to provide documentation. This has been explained to TransUnion and even though the XXXX ( XXXX ) I spoke to on XXXX XXXX assured me that TransUnion does adhere to Fair Credit Reporting Act, when presented with these Facts she could not explain why the item has not been deleted from my consumer credit file. I have attached proof of the original Affidavit sent to TransUnion regarding XXXX XXXX as well as most recent documentation of dispute regarding XXXX XXXX. I requested and was granted permission from XXXX to obtain my own audio record of the conversation so I can also provide audio clip of the phone conversation with TransUnion in which it could not be explained why the XXXX XXXX Item has not been deleted or why the XXXX XXXX  item is not showing as having been already disputed and or deleted.

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