Consumer complaint received 2024-11-30 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: LA

Complaint narrative:
I am filing a complaint regarding two accounts that remain on my credit report with XXXX and TransUnion : XXXX XXXX XXXX ( Account # XXXX ) and XXXX XXXX ( Account # XXXX ). 

I have previously disputed these debts and requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. Both creditors, XXXX XXXX XXXX and XXXX XXXX XXXX, were required by law to provide me with proof of the debt, such as contracts or signed agreements. However, neither company provided any documentation supporting their claims, which violates the FDCPA and the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i. 

Despite the failure of both creditors to validate the debts, the accounts were reported as accurate on my credit reports. XXXX removed these accounts due to the lack of verification, but XXXX and TransUnion failed to update or remove the accounts, which I believe is a violation of FCRA 1681i, which mandates that a credit bureau must correct or remove inaccurate or unverifiable information.

Furthermore, the FDCPA 1692e prohibits the use of false or misleading representations in the collection of debts. The failure to provide validation and the continued reporting of these debts as accurate after being marked as closed remains a violation, as the accounts are inaccurately marked as resolved or paid when they have not been validated, and no documentation has been provided.

Under FCRA 1681e ( b ), even if accounts are reported as closed, they must still be reported accurately. A closed status does not eliminate the need for accuracy, and the information must be verified for authenticity, which was not done. Reporting a closed account without proper validation still constitutes a violation because it results in the reporting of unverifiable, potentially incorrect information on my credit report. 

I previously filed complaints with the CFPB, but the dispute process was not handled properly by the credit bureaus or creditors. Below are the reference numbers for my previous CFPB complaints : XXXX XXXX complaints : XXXX : ( XXXX ) TransUnion : ( XXXX ) World Finance Company complaints : XXXX : ( XXXX ) TransUnion : ( XXXX ) Despite these complaints and my requests for debt validation, XXXX and TransUnion have continued to report the accounts as closed but unverifiable. This is an ongoing violation of both the FCRA and FDCPA. 

I request that the CFPB take the following actions : XXXX. Investigate the failure of XXXX XXXX XXXX and XXXX XXXX XXXX to properly validate the debts. 
XXXX. Ensure XXXX and TransUnion remove the unverifiable accounts from my credit report. 
XXXX. Require XXXX XXXX and XXXX XXXX to comply with the FDCPA and FCRA by properly verifying the debts. 
XXXX. Provide documentation verifying the debts if they are to remain on my credit report.

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