Consumer complaint received 2025-04-16 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) I am writing to formally file a complaint regarding my credit report, which has been affected by the recent Equifax data breach. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my address is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. No other address should be listed. I have sent required documents and requested this be updated. Nothing has changed. 
I have been experiencing multiple issues with incorrect information being reported, despite my repeated attempts to rectify the matter by submitting proper documentation to Transunion. To summarize, the information reported is inconsistent and inaccurate, which is in direct violation of the following federal laws and codes : - * * 15 USC 6802 * * ( Privacy of consumer financial information ) - * * 15 USC 1681b * * ( Use of consumer reports ) - * * 18 USC 1028A * * ( Identity theft ) - * * 15 USC 44 * * ( Definitions ) - * * 18 USC 894 * * ( Extortionate collection of debts ) - * * 15 USC 1681e ( b ) * * ( Duty of a consumer reporting agency to maintain accurate information ) By law, there should be only accurate, verifiable information listed on my credit report. However, I am facing issues with multiple accounts being incorrectly reported. Below is a list of the accounts that need to be updated or removed : XXXX. XXXX XXXXThis account is inaccurately reporting and has already been removed from other bureaus. Please provide proof that this account belongs to me, with contract bearing signature with third party company. This debt was transferred to different collectors. I request proof that I owe this debt. with contract bearing signature with third party company. This account also contains inaccuracies, which I have tried to address through formal requests for verification.

In my efforts to resolve these inaccuracies, I have requested the following information from the credit bureaus and the companies involved : - * * Proof of Debt Ownership * * : Evidence showing that the creditor or company owns the debt in question. - * * Authorization to Collect * * : Proof that the company has the right to collect the debt in my state. - * * State Bond Documentation * * : Evidence that the company holds a bond as required in my state. - * * Assessment of Debt * * : Proof that the company has assessed the outstanding debt. - * * Contractual Documentation * * : A copy of the payment record and the original contract bearing a signature, along with the original amount. - * * Chain of Title * * : Documentation outlining the chain of title for the debt. - * * Agreement Evidence * * : Proof of any agreement related to the debt. 
* * Debt Ownership and Assignment * * : Information on whether the debt was assigned or if the company owns it. - * * Correspondence Records * * : Copies of all letters sent to me regarding the debt. - * * Debt Purchase Details * * : Information on the amount paid for the debt if it was purchased. - * * Payment History * * : Details of the last payment made, including the date and amount. - * * Fees and Interest * * : Information on any fees and interest charges applied to the debt.

Additionally, I request clarification regarding whether these collectors are required to hold a bond in the state of XXXX, as per the states regulations on debt collection. I also ask that you provide information on how these parties manage their books of accounts, financial, and corporate records, including documents, correspondence, and any acts related to the regulation of commerce. 
Lastly, many of these debts have been sold to third-party companies, and I am requesting that these accounts be updated accordingly to reflect the correct and updated status. If these accounts can not be verified as legitimate, I ask that they be removed from my report entirely. I trust that the Consumer Financial Protection Bureau will investigate these discrepancies and take the necessary action to ensure that my credit report accurately reflects my financial history. I look forward to your prompt response and resolution of these issues. Thank you for your attention to this matter. 
TransUnion has not provided, me this information.

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