Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am filing this complaint against TransUnion for failing to properly verify a debt that was inaccurately reported on my credit file, despite my repeated disputes. 

I disputed the account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which claims I owe {$1100.00}. I have contested this debt multiple times over the last 10+ years, as it does not belong to me. Despite this long history of disputes, TransUnion rejected my latest dispute with minimal investigation, failing to require sufficient proof from the creditor. 

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX., I spoke with a TransUnion representative named XXXX, who did not provide adequate assistance or clarification on how my dispute was investigated. Despite my explanations and requests for verification, my dispute was dismissed without a proper review of the evidence. 

Specifically, TransUnion failed to properly verify this debt by relying on insufficient documentation or simply taking the creditors word, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). There was no substantive evidence provided to link this debt to me, and I believe TransUnion violated the FCRA by rejecting my dispute without a thorough investigation. 

In addition, this same debt was successfully disputed and removed from my credit report in the past. On XX/XX/XXXX, I submitted a dispute with TransUnion regarding an account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX, with a reported debt of {$950.00}. The debt was falsely attributed to me due to a person with a similar name. TransUnion removed the account after my dispute. However, this account reappeared under different collection agencies, despite it being a longstanding inaccurate and disputed debt. I have enclosed a copy of the letter I previously sent, which provides details about the earlier successful removal of this account. 


Details of Complaint : TransUnion rejected my dispute based on a simple verification without any substantive investigation, despite my providing sufficient details to demonstrate that this debt is inaccurate. 

1. The debt is over XXXX XXXX XXXX, and I have disputed it numerous times with both TransUnion and other credit reporting agencies. 

2. No creditor has ever provided valid proof that the debt is mine, yet TransUnion continues to report it inaccurately. 

3. Conversation with TransUnion representative XXXX on XX/XX/XXXX : During my call, I expressed concerns about the lack of verification and was not given adequate explanations for the rejection of my dispute. 

4. History of prior removal : The debt was previously removed after an investigation in XX/XX/XXXX, when a similar erroneous account was reported by XXXX XXXX regarding XXXX XXXX XXXX. This indicates a recurring issue where debts associated with XXXX XXXX XXXX that are not mine keep reappearing. 

XXXX. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is obligated to ensure that all debts reported on my credit file are accurate and fully verified. This obligation includes requiring valid documentation from the creditor to prove the debt belongs to me, which they failed to do.