Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX reports XXXX late payments, XXXX XXXX XXXX late payments, and Transunion reports XXXX late payments. This account has NEVER been late. I have disputed it on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The company has not responded or even touched the account. They have not investigated. They are violating my rights. This needs to be updated to NEVER late. 

XXXX XXXX XXXX XXXXXXXX : Has not provided any validation of this debt. I have no clue what it is. I have no been given an itemized copy of anything. I requested validation on XX/XX/XXXX. They did not investigate account. I disputed again on XX/XX/XXXX. They STILL have not sent me anything showing what I owe. Besides violating my right to know what my debt is for, Transunion is reporting the account as open. The dates of last acctivity are years apart. the date open is inconsistent. XXXX doesnt have the original creditor listed. Delete this account now. 

XXXX : Both XXXX and Transunion have XXXX this account to never late. XXXX refuses to investigate. I disputed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX needs to update this account to NEVER LATE. This is the newest dispute to XXXX XXXX  This item was UPDATED TO PAYS AS AGREED, NEVER LATE by XXXX and Transunion on XX/XX/XXXX due to it reporting inaccurately. You were to be notified yet you are still furnishing it. Please UPDATE TO PAYS AS AGREED, NEVER LATE. '' XXXX XXXX  XXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXX : The account has been disputed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The payment status reflects 30 days late with XXXX and Transunion when the account is paid in full. It reflects current with XXXX. The dates of last payment are wrong - XXXX reports XX/XX/XXXX, XXXX and Transunion report XX/XX/XXXX. Transunion and XXXX XXXX XXXX as 30 days late, but current with XXXX. XXXX reports XXXX as 20 days late, but current with equifax. This account is filled with errors and none of them have been fixed! 

XXXX XXXX XXXX : This account has been disputed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Nothing has been fixed. Transunion reports XXXX as 30 days late, but other two bureaus havbe current. XXXX reports XXXX as 30 days late, but current with other 2 bureaus. XXXX reports XXXX as 30 days late, but current with other two bureaus. The payment history is completely inaccurate. It needs to be updated to NEVER late immediately! 

XXXX XXXXXXXX : This account has been disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ITS HAS NOT BEEN TOUCHED. XXXX reports XX/XX/XXXX as 90 days late. Transunion and XXXX report it as current. Transunion and XXXX reports XXXX as 60 days late. XXXX reports XXXX as 30 days late. This account NEEDS to be updated to NEVER late. There have been consistent errors without anyone investigation!

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