Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, California XXXX Previous Complaint # : XXXX To Whom It May Concern : I recently reviewed my Transunion credit profile for the 3rd time, and again noticed inaccuracies and/or incomplete information, and I recognize that this account remains inaccurate and continues to contain different information in each credit bureau, in spite of multiple previous requests for deletion. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be appropriately verified. It is also my understanding that Under the FCRA 15 U.S.C & 1681i, each account even any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account must be promptly negated in its entirety or the alleged account must be completely deleted. Further, in your previous responses, you verified that inaccurate information was removed from my credit profile pursuant to XXXX XXXX Trans Union ( XXXX ), in violation of the Equal Credit Opportunity Act, XXXX XXXX TransUnion ( XXXX ), in violation of the Fair Credit Reporting Act, XXXX XXXX TransUnion XXXX XXXX XXXX ( XXXX ), in violation of the Fair Debt Collection Practices Act, and The CFPB Penalty ( XXXX ), in violation of the Grahm-Leach-Bliley Act. I am again enacting my consumer and civil rights to compel you to annul with permanent deletion of this derogatory account or provide testimony, validation, proof, and certification that you are adhering to mandated data formatted reporting standards according to current Federal regulations. The following derogatory account and allegations are either untrue, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately. Summary of the Account being challenged in list form : XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  - XXXX XXXX XXXX Account # : XXXX XXXX Account XXXX XXXX Revolving Account Status XXXX Derogatory Credit Limit : XXXX {$2000.00} Date Opened XXXX XX/XX/XXXX Payment Status XXXX Collection/Chargeoff Monthly Payment Amount XXXX {$210.00} Balance Owed XXXX {$0.00} Term Length XXXX -- High Credit XXXX {$2200.00} Past Due amount XXXX {$0.00} Date Reported - XX/XX/XXXX Creditor Remarks XXXX Paid charge off Accounts closed by credit grantor Date of Last Activity XXXX XX/XX/XXXX Last Payment XXXX XX/XX/XXXX Description : Paid charge off Accounts closed by credit grantor Creditor Type - Individual 2 Year Payment History [ '', XXXX ', XXXX ', XXXX ', XXXX ', XXXX ', '', XXXX ', XXXX ', XXXX ', XXXX ', XXXX ', XXXX ', XXXX ', XXXX ', XXXX ', XXXX ', XXXX ', '', XXXX ', XXXX ', XXXX ', XXXX ', XXXX ' ] Also, see the image above for XXXX ( XXXX ) XXXX ( XXXX ). The information on this account appears to be clearly inaccurate and inconsistent with established reporting standards of the CDIA and all other credit bureaus. I would like you to review it again so that my accounts can be updated to be 100 % accurate! Lets examine Payment Status ( XXXX ) showing Collection/Chargeoff. XXXX XXXX requires that all reported information be accurate and up-to-date. It's clear there have been errors in this account, as indicated by several changes you made since my last communication, which calls into question the integrity of everything else reported here! I was looking at the Last Reported ( - ) expressing XX/XX/XXXX. The information on this account is still inaccurate and inconsistent with established reporting standards of the CDIA. Again, I am requesting that you review this once more and explain how the information was validated and verified, so that the account can be made 100 % accurate, and an updated report be sent to me immediately. Please see the attached invoice! 

Sincerely, XXXX XXXX Please send your written response to my address : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX, California XXXX

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