Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear CFPB committee, This is in regards to below damaging derogatory collection report under my name XXXX XXXX as listed on Trans Union : XXXX XXXX XXXX Acct : XXXX This derogatory remark is listed only on TransUnion and not the other 2 credit reporting agencies. The amount of {$200.00}, was no where shown on any documentations provided by XXXX. 

Attempts to retrieve proof-of-obligation to both credit collections agency and credit reporting company : * On XX/XX/2018, I contacted XXXX XXXX XXXX over the phone to validate a collection remark of {$200.00} as listed on TransUnion. They recommended me to write them a written letter instead. 

* On XX/XX/2018, I mailed a written notarized and certified mail request to XXXX XXXX  XXXX requesting proof-of-obligation of the {$200.00} amount as listed. 

* On XX/XX/2018, I received a response from XXXX XXXX XXXX with an amount of {$37.00} paid transaction with my signature. A letter accompanying the copy of transaction mentioned that there will be a follow-up letter to showcase the proof-of-obligation to the {$200.00}. ( Please note this follow-up documentation letter was never received ) * On XX/XX/2018, I mailed my first notarized letter to TransUnion requesting the credit reporting company to provide me with all files that showcase my proof-of-obligation to the {$200.00} derogatory remark. With the letter, I included all of my correspondence with XXXX XXXX XXXX. 

* On XX/XX/2018, I received a letter from TransUnion saying that the investigation is " verified. '' No documentations in relates to XXXX XXXX  XXXX was sent over. 

* On XX/XX/2018, I mailed my second notarized letter to TransUnion re-requesting the credit reporting company to comply with my first request to send over any information, files, documents in relates to XXXX XXXX XXXX that verified the proof-of-obligation of {$200.00} that justified TransUnion to list this amount as owed in my credit report. I requested Trans Union to provide me with all files, and not just said that the item has been " verified '' without further information. 

* On XX/XX/2018, I received the same exact letter that I received on XX/XX/2018. Saying that the investigation result shows that it has been " verified. '' No documentation or files accompanied the letter, other than my normal credit report. 

* On XX/XX/2018, I mailed my third and final notarized letter to TransUnion re-requesting the same request as my second letter on XX/XX/2018. I mentioned that I will file a complaint to CFPB, California 's State Attorney General 's Office and XXXX XXXX XXXX. 

* On XX/XX/2018, I received the same exact generic letter I received on XX/XX/2018 and XX/XX/2018. 

I truly believe that TransUnion has been publishing derogatory remark without any supporting documentations that showcase the proof-of-obligation files as needed by the FCRA. 

I have attempted to contact both the credit collection company and provide the correspondence to Trans Union without any avail. 

Please lend me your expertise and help me resolve this issue as it is heavily damaging my credit worthiness. 

Thank you very much. 

Regards, XXXX XXXX ( XXXX XXXX ) XXXX