Complaint #1655969 submitted on 11/14/2015 relating to TransUnion Intermediate Holdings, Inc.. Complaint relates to Credit reporting - Credit reporting company's investigation No notice of investigation status/result.
Complaint was submitted via Web and sent to the company on Saturday 14th November 2015.
XXXX several occasion I have contacted TransUnion LLC in regards to some allege debt that has been reporting on my credit report as deragatory or negative items. I request on many occasion that this credit bureau validate the allege debts. The credit bureau is suppose to request verifiable proof not partially but in whole according to federal law. The law require the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is suppose to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. TransUnion is reporting XXXX XXXX XXXX credit cards, XXXX XXXX bank XXXX credit card, XXXX XXXX XXXX, and a Bankruptcy as negative items or deragatory items on my credit report. On several occasion I have disputed these allege item and although TransUnion fail to provide me with require information that these allege debt are 100 percent accurate, TransUnion still reports these negative information on my credit report. I have receive letters from XXXX Bank XXXX stating that they cant provide me with validation on debt, I have letter recent as XXXX/XXXX/15. So if they are sending me these letters how is it that TransUnion is stating that allege debt has been verified. TransUnion needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. TransUnion is suppose to exercise their responsibility with fairness, impartiality and respect for all consumers. TransUnion never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. TransUnion is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only suppose to be reported when you have 100 percent verifiable proof. Now TransUnion continue to report negative items on my credit report and fail to provide me with 100 percent accurate, legitimate validation of allege negatives that they are reporting on m y credit report.
| Company | TransUnion Intermediate Holdings, Inc. |
| Complaint ID | 1655969 |
| Date Received | 11/14/2015 |
| Product | Credit reporting |
| Issue | Credit reporting company's investigation No notice of investigation status/result |
| State/ZIP Code | NY 104XX |
| Consumer Consent | Consent provided |
| Company Public Response | Company chooses not to provide a public response |
| Company Response To Customer | Closed with explanation |
| Submitted | Web 11/14/2015 |
| Result | Timely Response: Yes, Consumer Disputed: No |
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