Consumer complaint received 2017-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have been disputing a file for over a year now with transunion and XXXX and XXXX, XXXX has been the only company to comply. i contacted transunion on many occasions informing them i was also recording the call and they would flip out in protest about it as if i dont also reserve the right to record the call as they do for " quality intrent purposes ''. i have made them aware on multiple occasions that 2 companies XXXX and XXXX had been inproperly reporting records on my reports and i want them removed immediately. i have even in goodwill attempt sent certified letters, made phone calls while recording the call myself for retainment, and had pleaded to get these accounts off my record as they are not mine. XXXX has been the only one to remove them after finding they were not mine in their investiogations but transunion and XXXX still havent complied, i have even contacted the companies and requested debt validation forms, " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act an the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting ''validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' is what i write in essense as well as quoting the violations they are comitting, '' *defamation *negligent enablement of identity fraud *violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) *violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. '' i have been very formal and yet these items still remain and they just continuously disopute rather then delete, the only reply i got back from first premier has been that the are not obligated to supply me with the requested information, and they even use a provision of my name which violates websters ninth new collegiate which states english grammer shall holds no provisions over names. i would like these accounts removed at once this has gone on long over a year now and these companies fail to comply with FDCPA, AND FCRA. XXXX just flat out ignores me and when i call they hang up on me after transfering me 6 times

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