Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, I ended my service with XXXX XXXX and paid my final bill through XXXX XXXX. I am attaching bank statements and a clearance letter from XXXX XXXX on behalf of XXXX that I had no balance with them as of XX/XX/XXXX. I have not been a XXXX customer since then. 

In XX/XX/XXXX, XXXX years later, a company named XXXX XXXX opened a collection account on me for what they said was a debt to XXXX- the same exact debt that had been paid years prior. 

I reached out to XXXX  on multiple occasions, and even showed the proof I paid. The only solution they gave me was to pay this debt a second time. 

I then reached out to XXXX, and after some research they realized a huge mistake had been made - that there was not a debt I owed. XXXX of the XXXX employees suggested in a general sense that there was a communication error between departments. 

Since reaching out to XXXX 's XXXX office, they have tried tirelessly to get XXXX XXXX to either delete this incorrect negative mark, or to sell back the account to XXXX so that XXXX can do right by me. XXXX XXXX refuses to comply with them. I have communications with XXXX 's XXXX office stating such, and I even have an email from XXXX XXXX, XXXX of XXXX, stating that he requested this collection account be deleted on XX/XX/XXXX. It still has not though, and I believe this is of no fault on XXXX 's part. I truly believe they have exhausted all resources in an effort to get XXXX XXXX to make this right. XXXX XXXX suggested I work directly with both XXXX and Transunion, because since he does not own the account, he can not delete it from my credit report himself. 

I did just that last week- I filed an online dispute with both XXXX and Transunion. Within XXXX hours of me submitting all of my documentation, XXXX notified me the account was deleted from my credit report. This tells me my documentation was significant. However, when I attached the same documentation on to my Transunion dispute, Transunion called the debt valid and would not delete it. When I called to inquire, and spoke to a supervisor, I was told that Transunion 's policy is to only contact the owner of the account, which is XXXX, and XXXX said the debt was valid. Considering they have received official notifications from XXXX that this debt is wrong, I'm shocked that they could even lie to an official credit bureau. 

I am asking that you please help me stop XXXX from inaccurately reporting on my Transunion report, and continuing to destroy my credit. I have incurred financial expenses at this point due to the high interest rates I keep receiving as a result of this collection. In addition, my fianc and I are forced to rent rather than buy after recently selling our homes because of this blemish on my report.

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