Consumer complaint received 2019-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please see enclosed attachment as requested by the bureau for relevant information concerning my dispute challenge letter sent to TransUnion in XXXX of XXXX. 

In the attachment you will find several clear cut proof of TransUnion illegal activities, including inaccuracies and violations. 

XXXX XXXX XXXX, as appears on my credit report, TransUnion has reaged this account since disputed in XXXX of XXXX because of my initial dispute letter in XXXX of XXXX. This is a violation, and as a result this account must be removed immediately. 

XXXX XXXX XXXX, as it appears on my credit report. The original creditor XXXX XXXX XXXX  currently reports a credit limit of {$450.00} but XXXX XXXX also reports a balance of {$980.00}. neither the original creditor nor TransUnion has provided me with a method of validation or verification. By default this account is deemed inaccurate and is in violation. This account must be deleted effective immediately from my TransUnion credit report. 

XXXX XXXX XXXX as appears on my current credit report. TransUnion is currently reporting XXXX XXXX as a charge-off account but still reports payment histories late payments, charge off activities or status. This is a violation, and by default this account must be deleted from my TransUnion credit report effective immediately. 

XXXX  XXXX XXXX XXXX XXXX XXXX  as appears on my credit report with a past due balance buy TransUnion XXXX Because this account is charged of a past due balance can not be reported. As a result this account is in violation, and must be removed from my TransUnion credit report immediately. 


XXXX XXXX Unknown Account, as appears on my current Credit report with TransUnion XXXX XXXX XXXX  is reporting that this account has been verified in and around XXXX of XXXX. ( Again please see attachment for further details ) however an updated status date account has been updated was in XXXX of XXXX. If this account was updated last in XXXX of XXXX how can this account be noted as verified as shown on the credit report from XXXX of XXXX. This is a violation, as a result acceptance now must be immediately deleted from my TransUnion credit report. 

XXXX XXXX, as a pairs currently on my TransUnion report, XXXX XXXX  is being reported as verified however TransUnion has not provided methods of verification as requested in previous dispute challenge letters. As a result this account is in violation and must be deleted from my TransUnion credit report effective immediately. 

XXXX  XXXX XXXX, as appears on my current TransUnion credit report XXXX XXXX XXXX reports that this account has been sold to XXXX XXXX XXXX, however XXXX XXXX XXXX  still reports payment status or history on the account. This is a violation ; and as a result XXXX XXXX XXXX must be deleted from my TransUnion credit report effective immediately. 


XXXX  XXXX XXXX, as appears on my TransUnion credit report XXXX XXXX XXXX  reports a credit limit of {$450.00} however company that that has been sold to XXXX XXXX XXXX is reporting a balance of {$980.00}. Neither TransUnion not original creditor has provided methods of verification or validation. As a result, XXXX XXXX XXXX  is in violation and must be deleted from my TransUnion credit report effective immediately. 

XXXX XXXX XXXX as appears on my current TransUnion credit report. XXXX XXXX reports a past due balance on a charged-off account. This is a violation. As result XXXX XXXX XXXXk must be removed from my TransUnion credit report effective immediately. 

XXXX XXXX  XXXX as appears on my current TransUnion credit report. XXXX XXXX currently reports a payment history status or collection, charged off status on a closed account. as a result this account is in violation and must be deleted from my TransUnion credit report effective immediately. 

XXXX unknown account ; XXXX is currently reporting that account has been updated in XXXX of XXXX, however this account has been challenged in XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. As a result this account is in violation and must be deleted immediately from my TransUnion credit report. 

XXXX-unknown account ; as proof of validation the original creditor XXXX has sent me billing statements ; reflecting the address, of XXXX XXXX XXXX XXXX XXXX New York. I've never lived at this address and furthermore this address does not exist on any of my consumer report history or status. as a result of this account is in violation and must be immediately deleted from my TransUnion credit report. 

XXXX ; neither the original creditor nor TransUnion has provided methods of verification or validation as required by law. As a result XXXX must be removed from my TransUnion credit report effective immediately for violations.

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