Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am contacting CFPB to formally dispute the inaccurate, false, and unauthorized Collections entry on my credit report, which is being reported by XXXX XXXX XXXXXXXX. This dispute serves as a request for re-investigation, as TransUnion sent a letter notifying me that the XXXX XXXX XXXX account was " UPDATED. '' However, I firmly believe that the information remains inaccurate and misleading. I request TransUnion to conduct a thorough human re-investigation into this matter and remove this entry promptly. For The Following Reasons : Lack of Contractual Agreement with XXXX XXXX XXXX  : As stated in my previous correspondence, I have never entered into any contractual agreement with XXXX XXXX XXXX, the alleged original creditor. Despite TransUnion 's indication that the account was " UPDATED, '' no evidence has been provided by XXXX XXXX XXXX or XXXX XXXX XXXX  to demonstrate the existence of a valid contract agreement executed containing my full signature. I maintain my stance that XXXX XXXX XXXX  was never my creditor, and thus, the collections entry is unwarranted. Wherefore, I never entered into any executed contractual agreement with XXXX XXXX XXXX  to validate or verify a default. Failure to Provide Verification of Debt Assignment : The recent " UPDATE '' to the XXXX XXXX XXXX account does not address the core issue of validation. XXXX XXXX XXXX has not provided any verification demonstrating how they obtained the alleged debt from XXXX XXXX XXXX. I reiterate my request for full documentation regarding the transfer and assignment of this debt, as it remains unverified. Violation of Statutes and Permissible Purpose : My concern regarding XXXX XXXX XXXX  's permissible purpose to access my credit information has not been addressed by the " UPDATE '' to the account. The alleged creditor, XXXX XXXX XXXX, has failed to produce any credit application containing my full signature, matching my correct social security number, or any evidence of my consent to access my credit information lawfully. I demand that TransUnion thoroughly re-investigate this matter, adhering to the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). It is essential that TransUnion verify the accuracy and legitimacy of the Collections entry by XXXX XXXX XXXX and take appropriate actions to rectify any inaccuracies. Initiate a comprehensive re-investigation into the accuracy and legitimacy of the collections entry by XXXX XXXX XXXX Verify that XXXX XXXX XXXX  had a permissible purpose to access my credit information by providing a credit application containing my full signature and matching my correct social security number. Validate the debt assignment and the legitimacy of the collections account with proper documentation. Remove the inaccurate, false, and unauthorized Collections entry from my credit report promptly, if found to be invalid or unverifiable. I also request that TransUnion provide me with a written response regarding the results of the re-investigation and any actions taken to address this dispute. Furthermore, I expect to receive an updated copy of my credit report reflecting the removal of the erroneous Collections entry. Thank you for your immediate attention to this matter. Your cooperation in resolving this dispute is of utmost importance. If the re-investigation process takes longer than 30 days, I demand that TransUnion provide me with a written explanation for the delay and a tentative timeframe for resolution.