Consumer complaint received 2016-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 'm getting nowhere with these CRAs so I 'm complaining against each of them. I keep receiving results stating that these items have been verified but I know for a fact that congress is very clear when they state that the FCRA can not be " interpreted '' and that once I notify them that their results are wrong, they have to go beyond the original source of information, which they have not! I asked to see the documentation that they are using and I never received anything. I also did n't receive the procedures used to verify or investigate. Congress also states that the only way that an account can be verified is by having firsthand knowledge and using XXXX to do their " investigations '' is NOT legal verification. I also have accounts that were previously deleted that were reinserted without notification which is in violation of the FCRA and I did notify them and nothing was done to remove the reinserted accounts. 

Here are my disputes with TransUnion : XXXX XXXX I told you that you have the wrong balance on this account and that I do n't owe the amount listed on my credit report. You also have the wrong open date listed and all XXXX bureaus are showing something different, so can you explain to me how you are verifying the open date of this account when they 're all different? 
XXXX XXXX # 1 XXXX deleted this because they could n't verify it yet you still have it on here and did not legally verify it, did you? # 2 I told you that this account as not charged-off, which means that the date of last activity is not right and you have the wrong balance. I do n't owe anything on this account XXXX I notified you that this account is unknown to me and you have n't done anything to show me that it actually belongs to me. Using XXXX to " verify '' is not legal verification, when you are just parroting what the creditor says! Where 's the documentation? Prove it or lose it. 
XXXX I 've already told you that the balance listed is n't correct as well as the account type and the status of this account. I do n't have a charged-off or account in collection with this company. 
XXXX XXXX XXXX failed to legally verify, please remove pursuant to section XXXX of the FCRA XXXX XXXX I notified you that this account is unknown to me and you have n't done anything to show me that it actually belongs to me. Using XXXX to " verify '' is not legal verification, when you are just parroting what the creditor says! Where 's the documentation? Prove it or lose it. 
XXXX XXXX you have this as charged-off and XXXX has this as reclaimed so which one is it? This is n't reporting correctly and you have to fix this or remove it. I also did n't open this account on the date listed. 
XXXX I told you that this account as not charged-off, which means that the date of last activity is not right and you have the wrong balance. I do n't owe anything on this account XXXX I 've notified you many times that this account is unknown to me and I even reached out to the creditor to get the proof of ownership for this account and they do n't have anything on me - so who did you speak with? Where 's the documentation? What was the person 's name and position? How is this being verified? Seeing my name on a screen is NOT legal verification! 
XXXX XXXX You are now in violation of the FCRA, as I already notified you that this account was removed on my XXXX/XXXX/16 report and was reinserted on my XXXX report - report - you did not notify me of this reinsertion pursuant to section XXXX XXXX XXXX I do n't know how many times that I have to tell you this, but you have me marked as " 30 days late '' and I know for a fact that I was NOT 30 days late on that month! Prove it or lose it.

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