Consumer complaint received 2019-05-10 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: PA

Complaint narrative:
I requested that the following collection accounts that are being reported be verified and/or validated with TransUnion : Collection Agency : XXXX XXXX XXXX, XXXX Original Creditor : XXXX XXXX XXXX  ( USA ), XXXX. 
Balance : {$660.00} Account Number : XXXX Open Date : XX/XX/XXXX Basis of Dispute I never had an account with this creditor and I do not owe this debt. 

Collection Agency : XXXX XXXX, XXXX ( XXXX ) Original Creditor : XXXX XXXX XXXX, XXXX. 
Balance : {$1100.00} Account Number : XXXX Open Date : XX/XX/XXXX Basis of Dispute I never had an account with this creditor and I do not owe this debt. 


I received a response indicating that both accounts were verified as correct. I then following up in writing requesting the method of verification and who was contacted to in fact verify these accounts as I was never able to verify myself by sending the following : I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I have contacted both collection agencies and both have failed to verify this debt and I was provided no evidence. 
In compliance of this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is completely unacceptable. I am requesting a re-investigation along with your method of verification as obligated by law. 
The items in question are inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect these items will be removed from my credit file immediately. According to this regulation, I may sue you in any qualifying state or federal court, including small claims court in my area. While I would prefer not to involve the courts and the news/media to enforce my rights, I wont hesitate to do so if you refuse to comply with the law. 

To date, none of the requested information was received.

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