Consumer complaint received 2022-04-20 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: NE

Complaint narrative:
I have on many occasions disputed a debt listed in my Credit Reporting file, the debt listed is XXXX and is for a debt they supposedly purchased from a company called XXXX XXXX. In response to each dispute, I have received a message stating the debt is verified as mine. 

I have not done business with XXXX XXXX and have requested multiple times a document signed by myself be produced for my review reflecting my authorization of the original account being opened, neither TransUnion or XXXX have produced a document of any type and I only get a notice that the debt has been verified. 

I am again disputing this debt as not mine and it still remains listed as a verified debt on my XXXX XXXX file. 

Is it now allowed in the United States in conflict with Federal Law to just pick random people as a business and claim that they owe you money without ever having to produce any form of legal documentation to verify a debt? I have disputed this so many times and I have never had one piece of legal documentation provided to me with my signature, yet I constantly receive notices the debt was verified. 

I have requested many times a copy of whatever process was used to verify the debt along with any documentation that has been provided by XXXX to TransUnion as verification that the debt is mine, TransUnion has failed each time to produce any documentation of the verification process they supposedly used to verify the debt. It should be my legal right to request documentation with a signature reflecting my authorization of the original account, as a matter of preventing identity theft. 

If there is never legal documentation provided as verification, what do we have to prevent identity theft by unknown individuals or false claims of a debt by unscrupulous businesses within the United States. 

If a business only needs to make the claim that a debt is owed then never has to produce signed documentation to verify the debt was authorized, it opens the door ( all United States Citizens ) to the potential of Identity Theft by unknown individuals or businesses not operating within the guidelines of Federal and State laws to unfair debt collection and Credit Reporting, it will force individuals into paying debts they never owed in order to attempt correcting the issue and getting a valuable credit score back. 

I am not only filing this complaint with the CFPB, I am also filing a complaint with the Nebraska Attorney General and filing a complaint with the United States Attorney. I am also forwarding all responses from day one involving all complaints files, disputes files, etc. to our Senator and Congressman to bring attention to this matter and possibly start a change in the laws.

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