Consumer complaint received 2024-12-06 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: IL

Complaint narrative:
I am filing this complaint against TransUnion for failing to remove two unvalidated debts from my credit report, despite clear evidence that these debts were not properly validated by the collection agency XXXX XXXX XXXX XXXX. This failure violates the Fair Credit Reporting Act ( FCRA, XXXX XXXX. XXXX ( a ) ), which mandates the removal of unverifiable, inaccurate, or incomplete information from consumer credit reports.

Details of the Complaint Unvalidated Debts on My Credit Report : The debts in question are tied to XXXX XXXX XXXXXXXX with the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$4400.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$4900.00} ) These accounts were previously managed by XXXX XXXX XXXX XXXX, which failed to validate them after I submitted a formal validation request. 
Actions Taken with XXXX XXXX XXXX XXXX : On XX/XX/year>, I sent a certified letter to XXXX XXXX XXXX XXXX requesting validation of the debts. 
On XX/XX/year>, XXXX XXXX responded, admitting they could not validate the debts because the accounts were no longer assigned to them. 
TransUnions Failure to Remove the Debts : Despite this clear lack of validation, TransUnion has allowed these unverifiable accounts to remain on my credit report. 
This constitutes a violation of the FCRA ( 15 U.S.C. 1681i ( a ) ), which requires credit reporting agencies to remove unverifiable information.

Negative Impact on My Creditworthiness : The presence of these unvalidated debts on my TransUnion credit report has caused harm to my credit score, affecting my ability to obtain credit on fair terms.

Relevant Legal Arguments FDCPA ( 15 U.S.C. 1692g ) : Debt collectors are required to validate debts upon a consumers request. XXXX XXXX failed to fulfill this obligation, rendering the debts invalid. 
FCRA ( 15 U.S.C. 1681i ( a ) ) : Credit reporting agencies are required to remove unverifiable, inaccurate, or incomplete information from consumer credit reports. TransUnion has failed to comply with this requirement.

Continuous Dispute Rights : When a debt is transferred to a new collector, that collector must validate the debt before attempting to collect or report it. XXXX XXXX failure to validate these debts while managing them renders them invalid and unreportable. 
TransUnion has failed to comply with its obligations under the FCRA by allowing unvalidated debts to remain on my credit report. This negligence has caused harm to my creditworthiness and financial well-being. I request immediate action to ensure these accounts are removed from my credit report and that TransUnion is held accountable for its noncompliance. 

Sincerely, XXXX XXXX XXXX

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