Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion has a displayed an unfortunate, unmonitored history of gross neglect and blatant serious FCRA violations as it relates to my credit report. 

The violations have taken a personal toll on me, my family and my financial life because they will not follow the law or respect my rights. I have made every effort to remedy these matters with them, but they will not legally and properly investigate my disputes. 

Transunion states that they will investigate my disputes for accuracy. They are not investigating my disputes. Transunion is stamping my disputes as verified and accurate without conducting any research to determine the accuracy of the reporting they have. My disputes are based on information taken from the reports that Transunion furnishes. 

I have repeatedly submitted factual disputes for the items listed below. And yet, Transunion continues to violate my rights. They have consistently refused to investigate inaccurate reporting that they see on my account. Transunion has consistently returned my disputes as verified and accurate even though their reporting shows the items as inaccurate. 

1. XXXXXXXX XXXX Partial Acct # XXXX I requested another investigation on this account because it inaccurately reports a charge off status with an unknown payment history. You can not have a charge off on an account without a payment history. If Transunion had properly investigated my dispute, they would have identified the inaccuracy. This reporting should not have been verified as accurate. The returned dispute investigation from Transunion noted verified as accurate three times!!! ( This is taken directly from the dispute results notification sent to me, which is attached ). Transunion, in this notification, states that the report was updated : not specified, but the report was last updated XX/XX/XXXX XXXX, not XX/XX/XXXX!! If the report was updated in XX/XX/XXXX, why does it show the actual update on XX/XX/XXXX?? This is a violation. The account should have been deleted for inaccuracy. 

2. XXXX XXXX Partial Acct # XXXX I disputed and re-disputed this account for inaccuracy. Transunion 's investigation results for XX/XX/XXXX state that this account has been verified as accurate. It also states that it has been updated but does not specify what was updated. It is worth noting that the last update was not on XX/XX/XXXX. It was on XX/XX/XXXX! Transunion reports two charge offs for this one account. Furthermore, it excludes any other relevant payment history. This is inaccurate. Transunion reports a closed account date of XX/XX/XXXX and then, a charge off on XX/XX/XXXX!! How can there be activity on a closed account? How can there be two charge offs on one account with no other payment history? This can not make sense. It is clear that Transunion is not performing its legal role in properly investigating my disputes for accuracy. Therefore, they are consistently violating my rights. This account should have been removed for inaccuracy.

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