Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have inaccurate credit history reporting even after I tried to have it fixed, for the 3 credit bureaus XXXX, Transunion, and XXXX. 

The first one is the account XXXXXXXX XXXX XXXXXXXX which had shown a payment made in XXXX of XXXX for XXXX, even when the account was created on XX/XX/XXXX of XXXX, there was no payment made in XXXX. Both TransUnion and XXXX show the first payment for this account as being in XXXX of XXXX, not XXXX, unlike XXXX. For XXXX XXXX  XXXX there are even more issues. For XXXX and Transunion the status was last updated in XXXX XXXX however, for XXXX XXXX it shows that the balance and status were last updated XX/XX/XXXX, and on the payment summary, it is being shown as fully paid through XXXX. This credit report is inaccurate and is harming my credit. All late payments and delinquencies should be removed. The accounts are named the following for XXXX it is XXXX XXXX XXXXXXXX for XXXX it is named XXXX XXXX XXXXXXXX XXXX and for Transunion XXXX it is named XXXX 

According to the credit report, there are several inaccuracies regarding an account named XXXX for XXXX and XXXX for both TransUnion and XXXX. There are 6 reported late payments and 7 with the last one being a CO for XXXX  and balanced updated as of XX/XX/XXXX. For XXXX it is being reported that there is 1 late payment in XXXX of XXXX and balances was updated as of XXXX, For Transunion XXXX there is no payment summary with the balanced updated as of XX/XX/XXXX. The XXXX info doesn't match across all XXXX credit bureaus. This credit report is inaccurate and is harming my credit. All late payments and delinquencies should be removed. 

The credit report for the account in question is named XXXX XXXX XXXX for XXXX and XXXX, while it is called XXXX XXXX XXXX. for Transunion. For XXXX, the balance was last updated on XX/XX/XXXX, and a XXXX late payment was on XX/XX/XXXX, The account type was listed as Secured Credit Card with credit usage unavailable. For XXXX, the balance was updated on XX/XX/XXXX, and payment history is paid through even from XXXX without a missed payment, the account type is listed as XXXX, and the credit limit was {$500.00}. Transunion the balance was updated XX/XX/XXXX, and a XXXX late payment in XXXX of XXXX, the account type is listed as a Revolving account with a {$500.00} credit limit. There 3 credit bureaus do not match at all in this case. This credit report is inaccurate and is harming my credit. All late payments and delinquencies should be removed. 

XXXX for XXXX and Transunion, and named XXXX XXXXXXXX. for XXXX is another inaccurate reported credit report on my account and does not match through all 3 credit bureaus XXXX, Transunion, and XXXX. The account type is listed as " revolving '' for both Transunion and XXXX. In contrast, for XXXX it is listed as a " Charge card '', The status, not the balance was updated on XX/XX/XXXX for both Transunion and XXXX while for XXXX it was last updated in XXXX of XXXX. There is XXXX XXXX late payment in XXXX of XXXX. There should be no inaccurate reporting through the XXXX credit bureaus. All late payments and delinquencies should be removed.

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