Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

ear CFPB, I am writing to formally dispute the reporting of a debt listed by XXXX XXXX XXXX on my TransUnion credit report. I have confirmed that XXXX XXXX XXXX is not the original owner of this debt, yet it continues to be reported in a manner that negatively impacts my credit score. I am requesting your assistance in investigating this issue, as my attempts to resolve it with TransUnion have not been successful. 

Account Information : Debt Amount : {$4800.00} Current Creditor Reporting : XXXX XXXX XXXX Original Creditor : [ Name of Original Creditor ] Date Opened : XX/XX/year> Account Status : Open Account Responsibility : Individual Remarks : " Account information disputed by consumer, meets FCRA requirements '' Specific Issues : Incorrect Reporting by XXXX XXXX XXXX XXXX XXXX XXXX is not the original creditor of this debt, yet they are reporting it as if they own the debt. I have not been provided with any documentation verifying that they are the rightful owner. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information, and this reporting is clearly incorrect. 
Failure to Provide Proof of Ownership I have requested documentation from XXXX XXXX XXXX and from TransUnion to prove that XXXX XXXX XXXX has the legal right to collect this debt. Despite my requests, no valid proof has been provided. Under the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA, creditors and debt collectors are required to provide validation of a debt upon request. Failure to do so raises serious concerns about the legitimacy of the reporting.

Inadequate Investigation by TransUnion I have previously disputed this account with TransUnion, but they have responded by stating the account was verified as accurate. However, no documentation has been provided to substantiate this verification. Under 15 U.S.C. 1681i of the FCRA, TransUnion is required to conduct a reasonable investigation and provide the methods used to verify the account. I believe this investigation has not been properly conducted, as I have not received any proof that XXXX XXXX XXXX has the legal right to report this debt. 
Negative Impact on My Credit Score The continued reporting of this incorrect information is causing significant harm to my credit score and financial standing. Given the lack of verification and improper reporting, this debt should not be impacting my credit report. 
Request for Action : I am requesting that the CFPB : Investigate the legitimacy of XXXX XXXX XXXX reporting and their legal right to claim this debt. 
Ensure that TransUnion has followed proper procedures in verifying the accuracy of this account, including providing me with the verification methods and documentation as required under 15 U.S.C. 1681i. 
Remove the account from my credit report if XXXX XXXX XXXX can not provide valid proof of ownership of the debt. 
This issue has caused me undue stress and financial harm, and I am seeking a resolution that ensures my rights under the FCRA and FDCPA are upheld. Please contact me at XXXX if further information is required. 

Thank you for your time and attention to this matter.