Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My rights have been violated by Transunion repeatedly and I want this information deleted from my report immediately. Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX has me at a credit score over 640. Transunion has me at a score around 540. That is a huge difference. Transunion paints me as a XXXX. XXXX say I have good credit. What the heck is going on here. I have found Inaccurate and incomplete information reporting on my credit report and this has been going on for about a year. Transunion is not investigating these disputes and is just sending me letters they have verified the information but my credit reports say otherwise. I have attached my credit reports for the last 3 months and you can see they have not change or corrected the majority of my disputed items that are inaccurate and unverifiable. 
I have been disputing these inaccuracies and erroneous information for over six months to ensure that my credit report is 100 % accurate which Transunion has failed to do. The accounts below have been disputed repeatedly and I have been told they have been verified. How have they been verified when the information is still inaccurate? I am disputing these accounts again and demand that they be removed from my report due to they are inaccurate, erroneous, and are defamation to my character. I have given Transunion almost a year to correct these errors and they have refused so now is not the time to update on modify these items the need to be deleted under FCRA law. 


XXXX. Transunion stated that they have verified this through XXXX which is untrue and I have attached my XXXX report that shows no bankruptcy on my report. 
XXXX  XXXX bankruptcy discharged Case Number : XXXX Delete immediately this inaccurate information from my credit report. 

XXXX. Payment History Different Transunion, XXXX and XXXX. Account has also different monthly payment, balance, terms, payment status, last report, date last active. 
XXXX XXXX XXXX  Account XXXX XXXX Delete immediately this inaccurate information from my credit report. 

XXXX. Account number is incorrect and different on each report, account status, balance, high credit, credit limit, payment status, last reported, last active date all incorrect and inaccurate XXXX XXXX XXXX  Account XXXX XXXX Delete immediately this inaccurate information from my credit report.. 

XXXX. Account Number on all 3 reports different, account status, monthly payment, high credit, payment status, last reported, date, last active, payment history goes from 90 days to charge off. 
FIRST XXXX XXXX Delete immediately this inaccurate information from my credit report. 

XXXX. Disputes dates of last payment/opened/of first delinquency/billing/closed. These late payments are inaccurate. How can it go from to 120 late then next month to charge off then the very next month to paid as agreed. 
XXXX XXXX XXXX Account Number : XXXX Delete immediately this inaccurate information from my credit report. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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