Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint concerns the inaccurate and improper reporting of a medical collection account by XXXX XXXX XXXX ( XXXX ) to TransUnion, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The debt is purportedly related to an emergency room visit from XXXX, which I have no recollection of ever receiving. I have never received a bill from the original medical provider, and until this year, I had no knowledge that such a debt existed. 

The debt was allegedly sold to XXXX XXXX XXXX at an unknown date, and then subsequently assigned or sold to XXXX XXXX XXXX. At no point between XXXX and XXXX did I receive any communication, billing statement, validation notice, or correspondence from the original creditor, XXXX XXXX XXXX, or XXXX XXXX XXXX. I had no way of knowing this account existed. 

On XX/XX/XXXX, I first became aware of the debt when it was reported by XXXX XXXX XXXX on my TransUnion credit report. I immediately submitted a formal dispute through TransUnions online dispute portal. Less than 12 hours after submitting my dispute, TransUnion marked the account as verified as accurate without providing any explanation or documentary evidence to support its verification. To date, TransUnion has failed to provide any documentation supporting the validity of this account, nor have I been informed of the method of verification as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

In an effort to escalate the dispute and obtain proper verification, I sent a certified dispute letter to TransUnion last month in XX/XX/XXXX, identifying the account by the exact file number and account name as shown on my credit report. Approximately three weeks later, TransUnion responded with a letter falsely stating that no such account was listed on my report. However, the account continues to appear on my TransUnion credit file and is actively damaging my credit profile.

I called TransUnion to resolve the discrepancy. During the first call, the representative remained silent for several minutes after I requested the verification documentation Transunion used to verify the debt in XXXX and she responded with " I do not know what more information you want me to give you other than that it is verified, '' then for nearly ten minutes remained silent on the phone, refusing to acknowledge my questions or presence, before the line disconnected. I placed a second call, and a different representative advised me to submit a formal complaint to the Consumer Financial Protection Bureau.

The same day I sent the letter to Transunion, I sent a certified letter directly to XXXX XXXX XXXX, seeking validation of the alleged debt and the proof of transfer from the orginal emergency room to the first collection XXXX XXXX XXXX and the transfer to XXXX XXXX XXXX after that. It has been more than 30 days since that letter was received, and I have not received any response or documentation. To date, I have never received a written notice of debt from XXXX, nor any validation of the debt as required by 15 U.S.C. 1692g ( a ) and ( b ). I also never retained these services back in XXXX or ever agreed to any bill of any sort from any of these creditors or agencies. The XXXX XXXX XXXXXXXX XXXX  failure to respond while continuing to furnish the account to a consumer reporting agency constitutes a clear violation of the FDCPA. TransUnion 's failing to provide proper verification documents also violates my consumer rights. 

The urgency of this matter can not be overstated. I am a graduate student who was denied a XXXX XXXX federal student loan due to this collection account appearing on my credit file. I am now at risk of being unable to begin school in the fall, solely due to the unlawful and unsupported reporting of a debt that I had no knowledge of, never received notice for, and that TransUnion refuses to substantiate. 

I respectfully request that the Consumer Financial Protection Bureau take the following actions : 1. Investigate and require the immediate removal of the XXXX XXXX XXXX account from my TransUnion credit file due to lack of verification and proper notice. 

2. Require full disclosure of the method of verification TransUnion relied upon when it marked the debt as accurate within 12 hours of my XX/XX/XXXX dispute. 

3. Initiate enforcement proceedings against both TransUnion and XXXX XXXX XXXX for their violations of the FCRA and FDCPA. 

I have made every effort to resolve this matter directly, and have preserved copies of all relevant disputes, letters, and correspondence. I now ask for the CFPBs assistance in compelling compliance with federal consumer protection 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 explanation