TransUnion repetitive loop hole

Discussion in 'Credit Talk' started by jesusq, Jun 2, 2015.

  1. jesusq

    jesusq Member

    I have been escalating a derogatory on my credit report which was placed by mistake. I was leasing an apt complex from sept 2013 until sept 2014 for a complex named Century Park Row. On April 2014, a derogatory remark was placed on my credit file for another complex called Marquis on Park Row and the amount they are claiming is another amount from my normal rent. My rent was $1,150 and the amount they are requesting is $670.



    I wrote a letter to the collection agency requesting validation, and they fail to respond back. I have escalated to TransUnion three times which lead to a repetitive auto response which they state they need to do an investigation and then just response with an automatic response. I have opened a case with CFPB and submitted a copy of my lease at that time showing that on April 2014 I was in a current lease at another location as well as my coomunicaton with TransUnion and they responded that they will not investigate unless I can provide new information such as court papers or a recent authentic letter from the creditor that explains that the information should be updated. I could dispute it with CFPB.



    What else can I do to correct this? Should I open a case with FTC?
     
  2. mindcrime

    mindcrime Well-Known Member


    Sorry, but not following, did you or did you not open a case with CFPB?

    Just so I'm clear, you were renting an apartment at Century Park, and you were not delinquent, you had a lease, and can prove where you lived, etc. and a CA has placed a collection account on your report for a delinquent lease for a complex you never lived in?
     
  3. jesusq

    jesusq Member

    That is correct. I have a copy of the lease from sept 2013 until July 2014. A nine month lease. During this time I received a collection for marquis at park row on March 2014.

    I escalated several times with the CRA and twice with CFPB but TransUnion just responded that they will not reinvested this again.

    So basically I'm stuck for a collection that doesn't belong to me.

    I'm looking to taking them to court and there's not a lot of resources available in doing it myself. I don't have enough resources to pay a lawyer.
     
  4. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    Hey Jesusq- I'm really curious what steps you took next with this. Would you be willing to come back and give us an update on how this played out for you? I'd be happy to try and help from this point forward if you still have any unanswered questions. Hope to hear from you soon.
     

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