Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had disputed XXXX XXXX XXXX XXXX account # XXXX through XXXX, XXXX, and Transunion. They reported it came back as verified. XXXX  XXXX XXXX sent a letter of Dispute on XX/XX/2024 for account # XXXX received a letter from XXXX XXXX XXXX dated XX/XX/2024 asking for a payment when they had not even validated/verified account. I sent XXXX  XXXX XXXX XXXX a certified letter on XX/XX/2024 asking for verification/validation for account # XXXX. XXXX XXXX  XXXX XXXX picked up the letter XX/XX/XXXX at XXXX XXXX 
Delivered DATE TIME LOCATION STATUS XX/XX/XXXX XXXX XXXX XXXX, WA, United States Delivered, individual picked up at postal facility I have not received anything from XXXX XXXX XXXX to validate/verify this account I want this account deleted. 

The letter I sent asked for the following information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.

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