Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have contacted Transunion credit bureau numerous times ( XXXX to be exact ) informing them that the collection agency XXXX is reporting inaccurate an erroneous information on my credit profile. I was never contacted in writing prior to the collection being placed on my account. Transunion credit bureau keeps sending my dispute letters directly to the collection agency failing to properly and thoroughly investigate my dispute. I have no verbal or written contract with the collection agency XXXX XXXX Acct XXXX stating that I would pay them any money. I have never obtained any services with this company. Therefore, I have no debt with this company. Transunion credit bureaus and XXXX and Transunion has failed to provide substantial evidence that the debt belongs to me. Furthermore, Transunion credit bureau allows XXXX XXXX to continuously update the date of last activity on this alleged account every month. They are manipulating the alleged debt Date of last activity to falsely extend the statute of limitations on this erroneous account. However, the alleged amount owed stays the same. Additionally, Transunion is reporting the alleged debt late every month which is negatively impacting my overall score for a debt that does not belong to me. 

I demand that Transunion credit bureaus permanently delete the alleged debt and collection from my credit profile. This alleged debt is defaming my character and causing me to constantly get d

enied for new credit opportunities. According to the FCRA the Credit reporting agencies are obliged delete inaccura
te, incomplete or unverifiable information. Neither Transunion or the collection agency has explained how this alleged debt was verified. With the exception of taking the world of this unknown company that there is alleged debt. Transunion credit bureaus have neglected to proper investigate inaccuracies on my credit report by continuously reporting erroneous information. Even after I notified them numerous times of the misinformation. My first letter was sent on XXXX XX/XX/XXXX. The Transunion responded back after only two weeks. My second letter was sent XX/XX/XXXX. Transunion again responded back in less that 14 days saying the debt was again verified without proof of verification. I sent another letter on XXXX XXXX XXXX. Transunion responded back after 30 days letting me no that the alleged debt was verified, and no changes would be made to the listed collection. I sent a XXXX letter on XX/XX/XXXX letting Transunion know that it was my last attempt to allow them to completely remove the collection from my report or I would be filing a complaint. Transunion responded back on XX/XX/XXXX, only three weeks later informing me that there were no inaccurate information on my credit report. 

I am demanding that Transunion Credit bureau pay a fine of XXXX for every dispute letter I sent them that was not properly investigated. Totaling {$4000.00} to be paid to me the consumer. I again am demanding that Transunion removed this erroneous account from my credit profile. 

I look forward to a response in regard to my failed attempts to have the credit agency removed the erroneous account from my credit profile.

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