Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
violations reported on File Number # XXXX 1 - FCRA USC 1681 s-2 A ( person shall not furnish any information relating to a consumer to any consumer repoting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

2 - FCRA USC 1681i ( 7 ) description of investigation 3 - FCRA USC 168i ( 5 ) The credit bureau said everything was complete and accurate and I asked them of if the following information is wrong/missing/not reported. 
Dear Transunion : XXXXI am keeping careful record of your actions and method of verification, I DO NOT CONSENT TO E-OSCAR or any means of automated / electronic verification. Transunion also has neglected to correct my profile which clearly shows to be a mixed profile which TransUnion refuses to fix. 
-This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic. 
Note : As of XXXX  CFPB Consumer Financial Protection Bureau has been notified - After several attempts I have not received the original documents to verify these items on my report, -Please remove all accounts that are not accurately, legally, completely reporting all criteria needed to verify accuracy of this account.. 
1. DEPT OF ED / XXXX ( {$39000.00} ) Transunion previously neglected to thoroughly verify/confirm/investigate this item to showcase legally and completely accurate information and not just negative information/data that is causing harm to the consumer. I demand this information be to be confirmed with the original creditor, all missing data to be updated and reported immediately to showcase complete account history from date account was opened. This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic. 
1. ) Months Reviewed : Why was this account only reviewed for 35 months in and not the complete length of the account. 
2. ) Date Open/Date Close : This two key informations are not being reported why? 
If the true open date was verified by Transunion via the Original Creditor, it would then realize the violation of Collecting and Reporting on an item beyond 7 years or the statute of limitations. When was this account opened? When was this account first reported? 
3. ) Deffered Payment Start Date : this data is missing, it would showcase Deferment began in XXXX yet XXXX is reporting XX/XX/XXXX to be 120 days past due. 
4. ) Delinquency First Reported : this data is missing 5. ) Scheduled Payment : This data is not being reported, Transunion neglected to thoroughly verify and report correct data. With deferred payments and payment arrangement is made, these payments are not being reported for the year XXXX XXXX. 
6. ) Missing data information : All of data is missing XXXX through XX/XX/XXXX Data for XXXX XXXX is missing, please update this report with this updated accurate information or delete/remove this account from this credit profile. 
7. ) Missing payments : No payments are being reported, but if I was late I am sure Transunion would report that.

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