Consumer complaint received 2018-08-15 00:00:00
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.
State: TX

Complaint narrative:
1st Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX Dear : XXXX XXXX XXXX XXXX. 

I am writing in response to your letter dated XX/XX/XXXX, copy enclosed because I am disputing the alleged debt. 
Before you contact me again, please provide me with the following documentation : Proof that you own the debt, or are authorized to collect on this debt on behalf of the current owner ; Proof that the debt was actually incurred by me with respect to the original creditor ; A copy of any judgment ( if applicable ) ; Proof that you are licensed to collect debts in Texas Be advised that I have documented all correspondence with respect to this debt and will not hesitate to report any violations of the law to my State Attorney General, the Federal Trade Commission, and the XXXX XXXX XXXX. 
Finally, if you are not authorized to collect this debt thereon, I demand that you immediately forward this dispute letter to the original creditor to inform them of my dispute. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 2nd Dispute Online Thank you for submitting your dispute We have received your dispute request. The information you provided appears below. 
Once you submit your dispute ... 
TransUnion will contact the party that provided the information and request it to verify the accuracy of the information. 
The party will then inform TransUnion of any changes that should be made to the information.

TransUnion will mail you an updated copy of your credit report, reflecting the results of the investigation. We will send this to you via U.S. mail usually within 30 days of receiving your initial request. Mail delivery typically takes 3-5 business days.

If you are not satisfied with the resolution of the investigation, you may add a consumer statement to your TransUnion credit report. This is a section of your file where you can provide additional explanation. If you would like, we can even help you write this statement. 
When you have a dispute pending, we recommend that you not apply for credit, as the results of the investigation may affect a new credit decision. 
Please print this page for your records. 

Personal Information Name XXXX XXXX XXXX, XXXX. 
Social Security Number XXXX Date of Birth XX/XX/XXXX Home Phone Number ( XXXX ) XXXX Employer 's Name RETIRED Email Address XXXX Current Address Address XXXX XXXXXXXX XXXX  XXXX XXXX, TX, XXXX Previous Address Address XXXX XXXX XXXX XXXX XXXX, TX, XXXX Credit Report File Number File Number XXXX Personal Information Corrections Corrected Field Comments 3rd Disputes Company Account Reason for Dispute XXXX XXXX XXXX # XXXX Other : Before you contact me again, please provide me with the following : Proof that the debt IS MINE Comments Comments I am writing in response to the alleged debt, please provide me with the following documentation : Proof that the debt was incurred by me with respect to the original creditor Close this window XXXX XXXX  XXXX. All rights reserved.

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