Consumer complaint received 2025-01-30 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 this complaint against TransUnion and XXXX XXXX XXXX due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in relation to an inaccurate and fraudulent account that remains on my credit report. 

Background of the Issue : Fraudulent Account & Unauthorized Collection Activity The account in question was created due to fraud, which I have previously reported. The account was placed on my credit file on XX/XX/XXXX. I did not get notified until XX/XX/XXXX, while checking my report. Today, XX/XX/XXXX, I received a letter from Transunion with " investigation results '', claiming the account is accurate. 

XXXX XXXX XXXX is not legally registered as a business entity in Louisiana ( my state of residence ) and only has a tradename. They are not legally authorized to engage in debt collection activities in my state. This violates 15 U.S.C. 1692e ( 5 ) ( FDCPA ), which prohibits debt collectors from taking or threatening unlawful actions. 
I previously filed a CFPB complaint against XXXX XXXX XXXX, and it was forwarded to the Federal Trade Commission ( FTC ) because they are not in the CFPBs system, raising further legal concerns about their legitimacy.

Failure to Validate Debt & No Consumer Contact Under 15 U.S.C. 1692g ( a ) ( FDCPA ), a debt collector must send a written notice of the debt within five days of initial contact, informing me of my right to dispute the debt. 
XXXX XXXX XXXX has never sent me any correspondence ( postal mail or email ) regarding this account. 
Additionally, under 15 U.S.C. 1692g ( b ) ( FDCPA ), if a debt is disputed, the collector must cease collection activity until they verify the debt. Since I have disputed this account multiple times and received no response, they are in violation of this law.

Illegal Resale of Debt & Repeated Collection Attempts This same fraudulent account has been passed around and collected on by at least five different debt collection agencies, violating 15 U.S.C. 1692d ( FDCPA ), which prohibits harassment and unfair practices.

The original creditor has illegally sold this same account multiple times, violating 15 U.S.C. 1692f ( 1 ) ( FDCPA ), which prohibits attempts to collect an amount not expressly authorized by the original agreement.

This also violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ( FCRA ), which prohibits creditors from furnishing inaccurate information to consumer reporting agencies.

False Reporting by TransUnion TransUnion continues to list the balance as " PAST DUE, '' which is illegal for a collection account. 
According to the XXXX XXXX XXXX XXXX ( XXXX ), collection accounts must be reported as " Collection '' and not marked as " Past Due '' since there is no ongoing payment obligation to a creditor. This misrepresentation violates 15 U.S.C. 1681e ( b ) ( FCRA ), which requires credit reporting agencies to ensure the maximum possible accuracy of consumer information.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( FCRA ), TransUnion is required to conduct a reasonable investigation of disputed information. Despite multiple disputes, they continue to verify an inaccurate and fraudulent account, violating federal law. 
Failure to Mark the Account as Disputed Under 15 U.S.C. 1681s-2 ( a ) ( 3 ) ( FCRA ), when a consumer disputes an account, the credit reporting agency must mark it as " Disputed by Consumer. '' TransUnion has failed to mark this account as disputed, further violating federal law.

Reinsertion of Previously Deleted Information Since the account has been reported by multiple collection agencies, it has likely been reinserted into my credit report without proper notification.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( FCRA ), if a previously deleted account is reinserted, the credit bureau must notify me in writing within five business days. 
TransUnion has not provided any such notice, violating federal 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