Consumer complaint received 2017-05-18
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. (MI)

Complaint:
TransUnion re-reported a debt on my credit report that had already been disputed and investigated over 4 years ago ( see page  4 of 7 on atta ched documents ) .The results of that previous investigation was that the collection record was removed from my credit report.     According to the TransUnion copy of the consumers previous credit report ( File Number :  XXXX  ; Date Issued :  XXXX / XXXX / XXXX  - see also page  4 of 7  ), the record shows that the Original Owner (  XXXX   XXXX   XXXX   XXXX   ),  and the amount ( {$330.00} ) were exactly the same.     Late in  XXXX  I received a letter from a debt collection company called  XXXX   XXXX , demanding payment of the same debt that had been disputed, investigated, and removed from my credit report in  XXXX . My challenge is that I no longer have a record of the resolution of that debt from over 4 years ago. My contention, and the basis for my dispute ( then & now  ) , was that this debt has been paid.     I sent TransUnion a letter dated  XXXX   XXXX ,  XXXX  ( see page  3 of 7 on  attached documents ) notifying them of this unsubstantiated demand for payment and requested a copy of the results of their previous investigation regarding this debt. TransUnion responded that they could not provide the record because there currently was no adverse entry on my credit report to base pulling the record on.     Now there is. The  NEW  debt collector has reported the  SAME debt record that had previously been investing and removed from my credit report. TransUnion elected to RE-REPORT (  see   XXXX   XXXX   #  XXXX  on page  2 of 7 of a ttached documents ) the previously removed record, with a statement of consumer dispute and an inference that the record complies with the FCRA.     To my knowledge, there is no provision in the FCRA that allows for the RE-REPORTING of a disputed record on the consumers credit report after an investigation resulting in removal of that record. There is no new supporting documentation supplied by the debt collector or the original owner,   XXXX     XXXX   XXXX ,  XXXX , who would have been required to respond to the original disputed information reported by the previous debt collection company,  XXXX   XXXX  ( see  XXXX   XXXX  #  XXXX  on page  4 of 7  of attached documents ).     An unrelated event, such as a sale to a third party, should not in and of itself be sufficient cause to RE-REPORT a previously removed debt record.     Additionally, I submitted a complaint to the CFPB against this debt collector,  XXXX   XXXX ,  (  see previously submitted complaint #  XXXX  page  7 of 7  on attached documents ). To this date, debt collector  XXXX   XXXX , has been non-responsive to repeated attempts by the CFPB to make contact in order to respond to the consumers complaint.     The previous record of this debt shows that it is just 6 months away from bein g Time-Barred Debt.   ( See Estimated month and year that this item will be   removed :  XXXX  on page  4 of 7 un der   XXXX     XXXX  #  XXXX  on attached documents ). By TransUnion RE-REPORTING this old debt, it has the appearance of NEW debt on my credit report, in that it now has a NEW account number, a NEW Original Creditor and the NEW Placed for Collection Date now reads  XXXX / XXXX / XXXX .     This is a misrepresentation of the record of this debt and as such should be removed from the credit report. TransUnion should not have RE-REPORTED a record received from a debt collection company that has been non-responsive to the governing  Federal Agency  that oversees their industry, nor should TransUnion have RE-REPORTED this record without any new basis for disregarding the previous investigation and removal of that record.     I request that TransUnion remove this record from my credit report. As documented throughout this narrative, this is clearly THE SAME DEBT that has already been disputed, investigated and removed from my credit report OVER 4 YEARS AGO.

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