Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 TransUnion, XXXX, XXXX. Re : XXXX Account XXXX ... 

I filed a dispute through XXXX XXXX as to the details of the account, ownership, accuracy, etc. The account complaint was barely reviewed ; the only thing that changed was that XXXX, who had apparently not been reporting on the account for more than two years, nearly three years of no reporting, went and updated somewhere between 24 and 36 months of Charge-Offs. This had an immediate and material affect on my credit score, and was done vindictively upon reviewing the dispute ; which disputing an account is not supposed to have consequences. Whomever reviewed the account followed the letter of the law, but  certainly not the spirit. The consequential reporting was clearly done out of malice and ill will. 

In addition to that, XXXX has been inconsistent in other areas regarding this account to the three agencies TransUnion, XXXX, and XXXX And mind, they most certain do report to each agency monthly, as Im an Authorized User on another account issued by them, and see that activity month in and month out on my reports. 

The information provided among the agencies varies, and while some of that appears suspicious, its difficult to ascertain the irregularities with precision. That said, there are inaccuracies within the portions of reported information that the three reporting agencies do have in common. I will list them below : TransUnion : Balance - {$2000.00} Acct Opened - XX/XX/XXXX Acct Closed - XX/XX/XXXX Last Payment - XX/XX/XXXX Acct Status - Collections / Charge-Off Times Late before dispute : 0/0/0 Times Late after dispute : 0/0/0 XXXX : Balance - {$1900.00} Acct Opened - XX/XX/XXXX Acct Closed - No Date Reported Last Payment - Not Reported Acct Status : XXXX XXXX Late before dispute : 0/0/0 Times Late before dispute : XX/XX/XXXX XXXX : Balance - {$1900.00} Acct Opened - XX/XX/XXXX Acct Closed - No Date Reported Last Payment - XX/XX/XXXX Acct Status - Charge-Off Times Late before dispute : XXXX Times Late after dispute : XX/XX/XXXX XXXX. ) Updated reporting was done after my dispute through XXXX XXXX, and was done with vindictiveness. The dispute with XXXX XXXX explains how this debt was transferred to a Collection Agency,  who exercised illegal collection activity, and was forced to remove the account from my reports, and that I subsequently tried to contact XXXX on multiple occasions offering to pay the debt, but was unable to get anyone to call me back or assist me ; I was repeated told that I owe the debt, but had to contact a legal firm to pay it, who in turn kept sending me back to XXXX. 

2. ) The Acct Balances are inconsistent. 

3. ) The Acct Opening Dates are inconsistent.

4. ) The Last Payment Dates are inconsistent. 

The handling of this account by XXXX has been, and continues to be, outright atrocious. One cant be certain of anything with this account other than, without mistake, its poorly managed ... and its me and my credit report that continues to suffer because of it. 

Further, these three credit reporting monstrosities have a duty not only to the creditors who pay them in order to report to them, but to the civilian population as well, as they too often have pay them in order to get their own credit reports. They should have a responsibility to cross reference one another, and kick back any Consumer account to the creditor until clean, conscience and consistent information is provided while temporarily or indefinitely removing from the individuals report. 

Finally, I fully expect at this point that this account, and any information directly or indirectly related to it, be completely wiped from the reports of the three credit reporting agencies cited above. 

XXXX XXXX XXXX

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 explanation