Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  is reporting the same account XXXX  under different account numbers. 

Reference is made to XXXX XXXX XXXX  letter dated XX/XX/XXXX ( XX/XX/XXXX Letter ) in regards to CFPB Complaint Number XXXX. In the XX/XX/XXXX XXXX, XXXX states that Account Number XXXX is not being reported due to statute of limitations. XXXX also states that Account number XXXX is the only loan being reported. 

Reference is also made to XXXX letter dated XX/XX/XXXX ( XX/XX/XXXX Letter ) in regards to CFPB Complaint Number XXXX. In the XX/XX/XXXX XXXX, XXXX again states that Account XXXX XXXX is not being reported due to the statute of limitations. XXXX also clarified that the Old Loan Number XXXX is [ was ] transferred to the New Loan Number XXXXExhibit XXXX Based on the XX/XX/XXXX Letter and the XX/XX/XXXX Letter, there is only XXXX ( XXXX ) account which XXXX should be reporting to the credit bureaus. ( Exhibit XXXX ) However, this is simply not true ; according to Transunions records of XX/XX/XXXX XXXX kept reporting both accounts, on XX/XX/XXXX & XXXX, XXXX, as open after the old account was allegedly transferred. Also, attached is a copy of XXXX XXXX credit report dated XX/XX/XXXX. This credit report also reflects XXXX ( XXXX ) tradelines for XXXX, with each tradeline having different terms. The first tradeline reflects a loan with a XXXX  month term. The second tradeline reflects a loan with a XXXX  month term. ( Exhibit XXXX ) XXXX  incorrect reporting of XXXX ( XXXX ) tradelines and Transunions failure to comply the Fair Debt and Collection Practice Act has damaged my ability to obtain credit from other entities. 

Further, the " XX/XX/XXXX '' letter correlates to XXXX having previously issued statements stating that this was a home equity line referencing account # XXXX and the " XX/XX/XXXX '' letter correlates to account # XXXX which is now currently styled as a mortgage according to a recent statement issued by XXXX in XX/XX/XXXX. See Exhibit XXXX. Home equity and mortgages are not the same and are treated differently under the Fair Debt Collection Practices Act. 

TRANSUNION HAS PREVIOUSLY STATED THAT XXXX XXXX  HAS VERIFIED BOTH OF THOSE ACCOUNTS AND THEIR BALANCES ; TO WHICH, I REJECT THAT CONTENTION. 

On XX/XX/XXXX XXXX reported that it had verified the balance on account XXXX to be XXXX, after XXXX XXXX filed a dispute with Transunion file # XXXX. Contrarily in a little over a week after the verification, on XX/XX/XXXX they again changed the balance back to the disputed amount in question. ( Exhibit XXXX ) XXXX  conduct is disingenuous and deceptive, as well as, in violation of the XXXX XXXX and XXXX Practices XXXX. 

Transunion, as a credit reporting body, has a fiduciary obligation to ensure accurate credit reporting ; to which Transunion has not. Transunions failure to ensure accurate credit reporting and be in line with the Fair Debt and Collection Practices Act is causing XXXX XXXX irreparable harms. It is XXXX responsibility to comply

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