Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : Formal Complaint Against XXXX, XXXX, and TransUnion for Failure to Verify or Remove Inaccurate Collection Accounts Dear Consumer Financial Protection Bureau, I am filing a complaint against XXXX, XXXX, and TransUnion for failing to properly investigate and remove inaccurate and unverifiable collection accounts from my credit reports, despite my formal disputes. These accounts contain errors regarding payment history, charge-offs, and account ownership, which negatively impact my credit. 

Timeline of Events & Actions Taken : XX/XX/XXXX Reviewed credit reports and identified multiple collection accounts containing inaccurate information. 
XX/XX/XXXX Submitted dispute letters to XXXX, XXXX, and TransUnion requesting verification of these accounts. 
XX/XX/XXXX Received responses from the credit bureaus stating the accounts were " verified, '' but they failed to provide proper documentation supporting their decision. 
XX/XX/XXXX Contacted the original creditors and collection agencies directly. Several of them could not provide proof that they owned the debt or had the authority to report it. 
XX/XX/XXXX Sent follow-up disputes to the credit bureaus demanding reinvestigation, citing 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires them to conduct a reasonable investigation. 
XX/XX/XXXX Received another response from the bureaus stating that the accounts were still verified, without sufficient evidence or documentation. 
Issues with the Credit Bureaus Actions : Failure to Conduct a Proper Investigation The credit bureaus failed to provide evidence from the original creditors validating these debts. 
Failure to Delete Unverified Accounts Under 15 U.S.C. 1681s-2 ( b ), if a debt can not be verified, it must be deleted from the consumers report. 
Failure to Respond to Dispute Requests Properly The responses from the bureaus contained boilerplate language, without actual documentation verifying the accounts. 
Specific Accounts in Question : A collection account from a utility provider, reported with a balance of {$320.00} that does not belong to me. The collection agency could not provide a contract showing my responsibility for this debt. 
A rental collection of {$11000.00}, which reflects an incorrect balance. The leasing company could not provide accurate documentation of payments made or the calculation of charges. 
A telecommunications debt of {$340.00}, which I never signed a contract for. The credit bureaus failed to provide proof that I authorized this debt. 
Several charge-off accounts still reporting balances, despite being paid off or settled with the original creditor. 
Requested Action from the CFPB : I request that the CFPB : Enforce the immediate removal of all unverified and inaccurate collection accounts from my credit reports. 
Investigate the reporting practices of the collection agencies involved to determine if they are violating the Fair Credit Reporting Act ( FCRA ). 
Hold the credit bureaus accountable for their failure to comply with FCRA requirements, including their refusal to delete unverified accounts. 
These inaccuracies have caused financial harm, including credit denials and increased interest rates, despite my efforts to dispute them. I ask for CFPB intervention to ensure compliance with federal law. 

Thank you for reviewing my complaint. I look forward to your response.

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