Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to bring to your attention my ongoing concern regarding the accuracy of information on my Transunion credit report. Despite multiple assurances of verification and accurate reporting, discrepancies persist on my credit report and across all three credit bureaus. Regrettably, my earlier request for original documentation, including signatures, contracts, and details about the verification process, has gone unanswered, constituting a violation of the Fair Credit Reporting Act ( FCRA ) due to the absence of a comprehensive investigation. 

Contrary to assertions by Transunion that all information is verified and accurate, the following discrepancies still persist : XXXX account XXXX : Account status : Discrepancy across XXXX and Transunion. XXXX listed the account as PAID, Transunion list the account as CLOSED. Date opened : XXXX list account opened on XX/XX/XXXX, Transunion list the account opened on XX/XX/XXXX. Terms : XXXX list terms as XXXX months, Transunion and XXXX list terms as XXXX Last reported : XXXX list account last reported on XX/XX/XXXX, XXXX list XXXX account last reported on XX/XX/XXXX. Comments : XXXX has no comments listed, Transunion and XXXX have comments listed for account but comments are not the same. Date last active : Transunion list account was last active on XX/XX/XXXX, XXXX and XXXX list the account was last active on XX/XX/XXXX. Payment History : Inconsistencies across all three credit bureaus, with some months showing no data for timely payments, indicating incomplete reporting. This information is incomplete and inaccurate. I am requesting this account to be removed/deleted or update late payments to current. 

XXXX account XXXX : Last Reported Date : Discrepancies exist across all three bureaus. Date Last Active : Variances are observed across all three bureaus. Comments : Discrepancies exist across all three bureaus. Payment History : Discrepancies exist across all three bureaus. XXXX and Transunion have me listed as 30 days late for the month of XX/XX/XXXX, but XXXX has me current for that month. This is inaccurate information being reported despite Transunions explicit statement that their investigation confirmed the information as " verified '' and accurate. This contradiction indicates false reporting. I am requesting this account to be deleted/removed or update the late payment to current. 

XXXX XXXX XXXX account XXXX : Date opened : Discrepancies exist across all three bureaus. Credit limit : Variances are observed across all three bureaus. High credit : Discrepancies exist across all three bureaus. Comments : Discrepancies exist across all three bureaus. Date of last active : Discrepancies exist across all three bureaus. Payment history : Discrepancies across bureaus. I am requesting this account to be deleted/removed or update the late payment to current. 


The inclusion of inaccurate and incomplete information on my credit report has significant repercussions for my creditworthiness and financial well-being, resulting in unjust credit denials. I am committed to ensuring the accuracy of my credit report and insist on the prompt correction of these inaccuracies. 

Despite claims of a thorough investigation by XXXX, the information continues to be inaccurate and complete, constituting a violation of the Fair Credit Reporting Act ( FCRA ).

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