Consumer complaint received 2021-11-01
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. (GA)

Complaint:
I, XXXX XXXX, give authorization for TRANSUNION LLC to move forward with this complaint. I am in receipt of the attached investigative report from TRANSUNION LLC. In good faith, I exercised my right in demanding to see proof of validation for alleged accounts that have been furnished on my consumer report. However, the attached investigative report does not provide any documents that I requested to see that proves the validity of the alleged reported accounts. TRANSUNION LLC is displaying malicious intent by damaging my reputation and making me seem not credit worthy. I now run the risk of being denied credit due to them reporting false and inaccurate information on my consumer report and file. The following alleged accounts are false and inaccurate : 1. US DEPT OF EDUCATION # XXXX with alleged balance of {$5800.00} opened XX/XX/XXXX 2. US DEPT OF EDUCATION # XXXX with alleged balance of {$2300.00} opened XX/XX/XXXX 3. US DEPT OF EDUCATION # XXXX with alleged balance of {$2200.00} opened XX/XX/XXXX 4. US DEPT OF EDUCATION # XXXX with alleged balance of {$5600.00} opened XX/XX/XXXX 5. US DEPT OF EDUCATION # XXXX with alleged balance of {$5700.00} opened XX/XX/XXXX 6. US DEPT OF EDUCATION # XXXX with alleged balance of {$2400.00} opened XX/XX/XXXX -I NEED TO SEE THE PROOF of who were the known associates of XXXX XXXX that might have information in regards to any of these alleged transactions that TRANSUNION LLC contacted to validate these alleged accounts. 

-I NEED TO SEE THE PROOF of how TRANSUNION LLC has this calculated amount that I allegedly owe. 

-I NEED TO SEE THE PROOF of where TRANSUNION LLC got this information to obtain this type of report when there are missing records. 

As you can see the alleged accounts on my attached consumer report have been allegedly updated and verified and reported as closed. If the reports are closed why is that the alleged accounts have a balance. How is this accurate reporting? 

As you can see the alleged accounts on my attached consumer report have been allegedly updated and verified and show in collection without ever being late. How is this accurate reporting? 

As you can see the alleged accounts on my attached consumer report have been allegedly updated and verified and have no payment history from when their records say the alleged account was opened. But out of nowhere the alleged account reports in collection. How is this accurate reporting? 

Any competent person can see that this is 100 % false and inaccurate reporting. As a result, the mentioned alleged accounts must be blocked, removed, and deleted from my consumer report and file IMMEDIATELY per my written instructions.

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 explanation