Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Transunion failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX Credit XXXX  | Account : XXXX | {$7600.00} | 30 day late | I have not received my statement and unless they can provide me proof the statement was mailed to my address on file within 21 days of the due date then any late indicators need to be removed. 

XXXX XXXX XXXX | Account : XXXX | {$8200.00} | Collection | I have provided multiple documents showing that this account was in violation of SEVERAL FDCPA laws and yet Transunion has failed to do a true and reasonable investigation with the documents that I provided. I am currently being represented by a law firm suing XXXX for this violations however if they account isn't removed from my Transunion file I will have them represent me as well in suing Transunion for violating my rights by failing to due a true investigation as well willful and negligent non compliance. 

XXXX XXXX XXXX | Account : XXXX | {$10000.00} | Collection | This account has been claimed to be verified yet I have requested any and all documentation that was used showing whatever contract or inquiry, signature, showing that this account is indeed mine. They have failed to provide this which is a violation of federal law. I know for a fact that they can't produce any proof showing that this account is mine seeing as I never did any business with this company. This will be another account that I will be filing a lawsuit for if its not removed immediately for failure to validate that account or provide documentation to that effect.

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