Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing a dispute regarding the inaccurate reporting of a debt by TransUnion, furnished by XXXX XXXX XXXX. Despite a previous dispute, TransUnion continues to report inaccurate information that violates the FCRA. XXXX XXXX XXXX is reporting a false Opened Date of XX/XX/year>, which constitutes illegal re-aging. The original delinquency date with the original creditor ( XXXXXXXX XXXX ) exceeds 7 years, making it time-barred from credit reporting under the FCRA. XXXX XXXX XXXX never attempted to contact me or collect this debt prior to reporting it to the credit bureaus. I received no written communication, no demand letters, or any opportunity to validate or dispute the debt, which is a violation of the FDCPAs requirement to notify consumers within XXXX days of the first attempt to collect a debt ( 15 U.S.C. 1692g ). XXXX XXXX XXXX has not provided proper validation of the debt, including proof of ownership or assignment, a valid chain of title, or documentation of the original delinquency date. TransUnion failed to obtain sufficient evidence from XXXX XXXX XXXX to substantiate their reporting but continues to report this account on my credit file. I demand proof of how TransUnion verified the Date of Last Activity and why this date has changed. XXXX XXXX XXXX has not provided proof of ownership of the debt or a valid chain of title from the original creditor. TransUnion has failed to obtain this documentation before continuing to report the account. XXXX XXXX XXXX is relying on a court judgment for collection, but the judgment they provided does not list XXXX XXXX XXXX as the plaintiff or creditor and there is no documentation showing that XXXX acquired this debt or has a valid chain of title to collect or report it. The court record shows that the judgment was a default judgment, meaning I was not present for the case. I was never properly served with notice, which violates my right to due process. XXXX can not rely on this invalid judgment to justify reporting the debt. This raises serious doubts about their authority to collect and report this debt. I was never properly served with legal documents for the court judgment XXXX XXXX XXXX is using to justify this reporting. The public court record for an earlier case related to this debt ( XXXX XXXX XXXX ) shows a Not Found/Unserved status. TransUnion failed to account for this critical information in its investigation. This account appeared on my credit report without any prior communication or attempt to collect from me by XXXX XXXX XXXX. Their failure to provide proper notice, validate the debt, or prove ownership, combined with XXXX failure to verify the accuracy of the information, has caused damage to my credit and financial standing. TransUnion failed to verify how XXXX XXXX XXXX claims ownership of this debt. TransUnion also ignored the fact that XXXX is not listed as a party in the court judgment. Neither trans Union nor XXXX has given me any account details. 
XXXX XXXX XXXX is reporting this account as open, but the original account with XXXX XXXX was closed years ago when it was charged off. This is a clear misrepresentation of the accounts status and violates the Fair Credit Reporting Act ( FCRA )

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