Consumer complaint received 2025-01-10 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: LA

Complaint narrative:
XXXX IS NOT A DUPLICATE***** On XX/XX/XXXX, I discovered that a negative account from a company named XXXX XXXX  XXXX had been added to my TransUnion credit report. I have never had any dealings or correspondence with this company. This account appears to be another attempt by a collection agency to collect on a disputed and fraudulent debt allegedly initiated by XXXX XXXX. I have previously disputed this debt multiple times with various collection agencies, including XXXX XXXX XXXX in XX/XX/XXXX, and have repeatedly requested validation of the debt, including documentation of the original contract with a wet signature. No such documentation has ever been provided. 

I have also reported this debt and its origination as fraud, as it was created online and not in a physical location. I submitted police reports documenting the theft of my personal information, including my Social Security card, drivers license, checkbook, debit cards, credit cards, and my childrens Social Security cards. Despite this evidence, multiple collection agencies have continued to pursue this debt, and XXXX XXXX XXXX reported the account to my credit report without sending me any prior correspondence or a validation notice, in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, I searched the business filings in my state of Louisiana and discovered that there is no collection agency named XXXX XXXX XXXX  registered to do business or collect debts in the state. Attempting to collect debts without proper registration violates state law and could constitute deceptive and unfair business practices. 

Further, TransUnion, as the credit bureau reporting this account, has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). Below are the specific violations committed by both XXXX XXXX XXXX and TransUnion : Violations by XXXX XXXX XXXX ( Debt Collector ) : Failure to Provide a Validation Notice ( FDCPA XXXX ( a ) ) XXXX  XXXX XXXX did not send me a written notice within XXXX days of first attempting to collect the debt, denying me my right to dispute it within XXXX  days. 

Reporting Disputed Debt Without Verification ( FDCPA XXXX ( b ) ) XXXX XXXX XXXX reported this account to TransUnion without verifying the debt, despite evidence of fraud and prior disputes. 

Unfair or Deceptive Practices ( FDCPA XXXX ) Attempting to collect this debt without providing documentation to validate its legitimacy constitutes an unfair practice. 

Harassment by Repeated XXXX Attempts ( FDCPA XXXX ) This debt has been sold to multiple collection agencies, each attempting to collect on it despite its disputed and fraudulent nature. This pattern constitutes harassment. 

Operating Without Proper Business Registration XXXX XXXX XXXX is not registered to do business or collect debts in the state of XXXX, making its debt collection efforts unlawful and a violation of both state law and FDCPA XXXX. 
THERE IS NO XXXX XXXX XXXX REGISTERED AS A COLLECTION AGENCY. MY INITIAL COMPLAINT FOR XXXX XXXX XXXX could not be sent to the company, due to it not being in the CFPB system. 

Violations by TransUnion XXXX Credit Bureau ) : Failure to Conduct a Reasonable Investigation ( FCRA XXXX ( a ) ( XXXX ) ( A ) ) TransUnion did not conduct a reasonable investigation into my dispute or verify the accuracy of the debt, despite my submission of police reports and fraud documentation. 

XXXX XXXX XXXX ( FCRA XXXX ( a ) ( XXXX ) ( B ) ) By reporting this account without proper validation or investigation, TransUnion has allowed inaccurate and unverified information to appear on my credit report. 

Failure to Notify Me of the Results of the Investigation ( FCRA XXXX ( a ) ( XXXX ) ( B ) ) TransUnion did not notify me of the results of its investigation or provide details about the account 's verification process. 

Failure to Include a Notice of Dispute ( FCRA XXXX ( c ) ) The account is not marked as disputed on my credit report, despite my formal dispute and evidence of fraud. 

Re-Insertion of Disputed Information Without Notice ( FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) ) If this account was previously removed or disputed, its reappearance without notifying me constitutes a violation. 

Failure to Block Fraudulent Accounts ( FCRA XXXX ) TransUnion failed to block this fraudulent account from my report, even after I provided police reports and fraud documentation. 

Permitting Continued Reporting of a Disputed Debt ( FCRA XXXX ( b ) ) TransUnion allowed the account to remain on my report without ensuring that XXXX XXXX XXXX conducted an appropriate investigation or verified the debt.

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