Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am writing to dispute the inaccurate reporting of XXXX XXXX XXXX XXXX, Account Number XXXX, on my credit report. As per my credit report from XXXX, they reported the Account Type as an Unsecured Loan, while the other two bureaus reported it as an Installment Account. Additionally, TransUnion reported the Monthly Payment as {$0.00}, while the other two bureaus did not report it at all. XXXX and TransUnion reported the balance as {$0.00}, while XXXX did not report it. Lastly, XXXX reported the No. of Months ( terms ) as 6 Months, while XXXX and TransUnion reported it as Monthly. XXXX also reported the Payment Status as Paid, past due 120 days, while XXXX and TransUnion reported it as paid or paying as agreed. 

I believe that XXXX XXXX  XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ) under the following sections and subsets : Violation XXXX : Inaccurate Account Type reporting by XXXX - reporting an unsecured loan instead of an installment account reported by other bureaus. 
Code : 15 U.S. Code 1681e Subset : 1681e ( b ) Violation XXXX : Incomplete Monthly Payment reporting by TransUnion and the other two bureaus not reporting. 
Code : 15 U.S. Code 1681s-2 Subset : 1681s-2 ( a ) ( 2 ) ( A ) Violation XXXX : Inconsistent No. of Months reporting by XXXX reporting 6 months while XXXX and TransUnion are reporting Monthly. 
Code : 15 U.S. Code 1681c Subset : 1681c ( a ) ( 1 ) Violation XXXX : Inaccurate Payment Status reporting by XXXX - reporting as paid past due 120 days while TransUnion and XXXX are reporting paid or paying as agreed. 
Code : 15 U.S. Code 1681i Subset : 1681i ( a ) ( 5 ) ( A ) Therefore, I request that XXXX XXXX XXXX XXXX removes these unverified collection accounts from my credit report immediately. I also urge you to take appropriate enforcement action against XXXX XXXX  XXXX XXXX for their violations of the FCRA. 

XXXX XXXX XXXX XXXX ( XXXX ) has reported to the credit reporting agencies regarding my account with them. Specifically, I am concerned about the inaccuracies in the reporting by XXXX and XXXX, which have resulted in negative impacts on my credit score and my ability to access credit. 

According to XXXX, my account type is listed as an unsecured loan, while XXXX reports it as an installment account. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to report accurate and complete information about consumers ' credit accounts. The specific code and subset that have been violated are 15 U.S. Code 1681e and 1681e ( b ), respectively. 

Furthermore, XXXX failed to report the balance on my account, while XXXX reported a {$0.00} balance. This incomplete reporting is also a violation of the FCRA, specifically 15 U.S. Code 1681s-2 and 1681s-2 ( a ) ( 1 ) ( A ). 

Lastly, XXXX reported that my account was paid past due 90 days without notifying me, while XXXX reported the account as " Too new to rate ; Approved but not used. '' This inaccurate reporting is a violation of the FCRA, specifically 15 U.S. Code 1681i and 1681i ( a ) ( 5 ) ( A ). 

The account in question is with XXXX XXXX XXXX and the account number is XXXX. XXXX has reported this account as charged off without notifying me, while the other two bureaus did not report the account as charged off. This is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

This inaccurate reporting has had a devastating effect on my life. I have been struggling to get a loan for my business due to this negative mark on my credit report. I have been working hard to rebuild my credit and pay off my debts, but this inaccurate reporting by XXXX has made it much harder for me to achieve my goals. 

I believe that the inaccurate reporting of this account by XXXX is a violation of the FCRA, specifically Code 15 U.S. Code 1681i and Subset 1681i ( a ) ( 5 ) ( A ). I request that you investigate this matter and take the appropriate legal action to ensure that this violation is enforced. 

XXXX XXXX XXXX ( XXXX ) and the credit reporting agencies, XXXX, XXXX, and TransUnion. 

Firstly, XXXX is reporting my account type as an auto loan, while XXXX and TransUnion are reporting it as an installment account. This is a clear violation of the Fair Credit Reporting Act, specifically Code 15 U.S. Code 1681e, Subset 1681e ( b ), which requires accurate reporting of consumer credit information. 

Secondly, XXXX is failing to report my balance while TransUnion is reporting a {$0.00} balance. This is a violation of Code 15 U.S. Code 1681s-2, Subset 1681s-2 ( a ) ( 1 ) ( A ), which requires complete and accurate reporting of consumer credit information. 

Lastly, XXXX is reporting my payment status as paid past due 30 days, while TransUnion and XXXX are reporting it as " Paid or paying as agreed ''. I have never received any notification from XXXX regarding this payment status, and they have not provided any paperwork to support this claim. This is a violation of Code 15 U.S. Code 1681i, Subset 1681i ( a ) ( 5 ) ( A ), which requires accurate reporting of payment information and notification to the consumer of any negative information reported. 

XXXX XXXX ( account number XXXX ) and the inaccurate information reported by XXXX, XXXX, and TransUnion. 

Firstly, the account type reported by XXXX as " Unsecured Loan '' is inaccurate and differs from the " Installment account '' reported by the other two bureaus. This inconsistency has caused confusion and negatively impacted my credit score. 

Additionally, XXXX and XXXX failed to report the credit limit while TransUnion reported a {$0.00} credit limit, which is incomplete reporting and violates the Fair Credit Reporting Act. 

Moreover, there are discrepancies in the payment status reported by the three credit bureaus. XXXX reported the account as " Paid, was past due 30 days '' multiple times without notifying me, while XXXX reported it as " Not more than two payments past due '' and TransUnion reported it as " 60 days past due ''. These inconsistencies have caused me undue stress and anxiety as I have been diligently making my payments on time. 

XXXX XXXX ( XXXX ) on my credit report. I am particularly concerned with the violations of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX and its reporting agencies, XXXX and XXXX. 

Firstly, XXXX XXXX has inaccurately reported the account type of my credit card on XXXX 's report as a secured credit card, while XXXX has reported it as a revolving account. This conflicting information is causing confusion and inconsistencies in my credit report. 

Secondly, XXXX has failed to report the balance of my credit card, while XXXX has reported a balance of {$0.00}. This incomplete reporting is negatively affecting my credit score and making it difficult for me to obtain credit. 

Thirdly, XXXX has inaccurately reported my payment status as past due 30 days multiple times without notifying me. In contrast, XXXX has reported that I pay the account as agreed. These conflicting reports are affecting my creditworthiness and making it difficult for me to access loans and other financial products. 

Lastly, XXXX has reported a last reported date of XX/XX/XXXX, while XXXX reported XX/XX/XXXX. This inaccurate reporting is causing discrepancies in my credit report, making it difficult for me to understand my credit history. 

dispute the information that has been reported on my credit report by TransUnion regarding an alleged open account with XXXX, the original creditor being XXXX XXXX XXXX XXXX ( account number XXXX ). The information reported is inaccurate and has caused significant harm to my credit score, as well as my ability to obtain credit in the future. 

TransUnion reported that I had an open account with XXXX, however, I have not received any written notice of this account being open. Additionally, TransUnion failed to provide any verification or documentation of the debt, which is a violation of the Fair Debt Collection Practices Act. Furthermore, TransUnion reported the account as " placed for collection '' without providing me with any prior notice of this action. 

This inaccurate and incomplete reporting has had a significant impact on my life. I have been denied credit and have been subject to higher interest rates due to this erroneous information on my credit report. This has made it difficult for me to obtain financing for important purchases, such as a new car or a home. I have worked hard to maintain a good credit score, and the inaccurate information reported by TransUnion has made this task more challenging than it should be. 

I am requesting that TransUnion remove this unverified collection account from my credit report immediately. I am also requesting that they take all necessary steps to correct any inaccuracies or errors on my credit report in accordance with federal law. I urge you to take swift action to enforce these legal violations to ensure that I am not unfairly penalized for inaccurate reporting. 

Thank you for your attention to this matter.

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