Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon careful examination of the Complete Investigation Report Submitted/Mailed to me dated XX/XX/XXXX, Im afraid they not only embellished certain payments, I believe in retaliation of my complaints, in order to extend the longevity of the life of a negative item to remain on my credit report by a range of appx one year, but its painfully clear they did not follow the guidelines of the Federal fair Reporting Act. This was their complete report following THREE Dispute letters, two of which requested they provide the proof of their investigation, which I have never received after the 3 MONTHS of disputes. Many of the accurate updates are simply incomplete and by the guidelines without the complete information, should have been removed from my report as requested in all 3 of my dispute letters. Those dispute letters have been uploaded on my first complaint filed on XX/XX/XXXX in regards to Transunion. 

The following is where I find the obvious intentional entries as a way to again, retaliate my valid complaints about their lack of reporting correctly as well as not processing my first two dispute letters sending me communication that they did not believe the letters were valid, although I not only called to confirm they were sent by me, but also signed by me personally and mailed with a copy of my state issued drivers license and copy of my bank statement to verify address. They failed to follow the guidelines of the fair reporting act then and they continue to do so with this complete investigation lacking the proof requested by me in my last two dispute letters, but lack of complete information as well. As follows : File # XXXX Date Issued : XX/XX/XXXX Page 6 XXXX XXXX : Not only have they not rectified the balance due to be {$0.00} as it clearly has a status of charge off but as per their own Key for payment history on page 3 of the report. XXXX are labeled XXXX which according to their key stands for UNKNOWN! If those dates are unknown, the report/item is incomplete and should be removed from my credit report as requested. The unknown status continues XXXX XXXX XXXXXXXX : I received no proof of delinquency of payments as requested on two dispute letters for dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They failed to comply with the guidelines set forth on the fair reporting act within 30 days ( its now been 3 months/90 days ) and the negative item should be removed from my credit report as requested in my dispute letter. 

They also claim my last payment was made XXXX on their rating it clearly shows OK in the month of XX/XX/XXXX. Contradicting information submitted as accurately investigated after 3 months of disputes m, again without the requested proof of their investigation. Guidelines not followed. 

Again, this account has a charged off status, yet they again failed to correctly report the balance due and past due as it should read {$0.00} as it was charged off and sold to collections, as requested in my dispute. Again no proof of their investigation. 

Page 7 : XXXX XXXX : Here is where they seem sneaky and knowingly change the date of the last payment to be not only {$0.00}, but also almost a year after they had originally showed the last payment, I believe in an effort to prolong the longevity of this negative item to remain on my report. Changing the last payment date would inaccurately date the account to be delinquent, keeping it on my report longer ( I believe as part of their retaliation ). Clearly a payment of {$0.00} IS NOT a payment at all!!!!! 

They have also updated the rating portion with an XXXX  from XXXX, as per their key this would mean UNKNOWN! That would be an incomplete entry and along with no proof of this investigation the item should be removed from my report as requested in my dispute! 


XXXX XXXX : Again the last payment made and payment received date falsified to prolong the life of this negative item on my report. Again, a payment of {$0.00} is not a payment at all. 

Again the rating section for payments are All Labeled XXXX XXXX, UNKNOWN. This would be incomplete and lack any proof of their investigation as requested! 

Page 8 XXXX XXXX : Again the falsified date and amount of the last payment and payment date. {$0.00} payment is not a payment Again the rating section for payments are ALL Labeled XXXX XXXX, UNKNOWN. This would be incomplete and lack any proof of their investigation as requested! 


XXXX XXXX : Again they did not update the balance to ZERO as requested ; item has been charged off and would have a balance of {$0.00} as its in collections. 

Again, the last payment received has been falsified to XXXX with a {$0.00} payment ( as per their ledger, that was clearly after the item had been reported deliquent over 120 days and well into the charge off date, I believe to prolong the life of this negative item to remain on my report as an act of retaliation. Along with the lack of requested proof within the timeframe of the guidelines of the fair reporting act ; this item should be removed from my report as requested in my dispute letters. 


Page 9 : XXXX XXXX  : Again, the balance was not updated to be zero as this is a charged off account, which also left an incorrect amount past due of {$2900.00}. The last payment date is also incorrect as per the ledger. 

The ledger of payments does not match the last payment date entered. These discrepancies along with the lack of requested proof from my dispute letters in the timeframe given in the fair reporting act ; this item should be removed from my credit report. 


XXXX XXXX : Ledger shows XXXX UNKNOWN for dates XXXX. With an unknown status the investigation is incomplete as well as the lack of proof in the time frame as per the guidelines of the fair reporting act this item should be removed from my report Page 10 : They claim this entire page has investigation results : VERIFIED AS ACCURATE. I do not believe they did any kind of investigation on these collection items at all and I requested Proof of these investigations and received NOTHING!!!! They did not supply any proof of any kind of investigation as requested in more than one dispute letter which has allowed them way more time to do so and still didnt bother to supply any form of proof of any kind of investigation to the validity of these collections or the information supplied in this report that is clearly not complete as they claim it to be. Other than the Progressive, The Receivable Management Services who themselves sent me a statement validating the collection : all other collection items on page 10 should be deleted as per the lack of requested validity and proof of an investigation in the time frame permitted as per the Fair Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I do not believe they did any kind of investigation on this collection item at all and I requested Proof of these investigations and received NOTHING!!!! They did not supply any proof of any kind of investigation as requested in more than one dispute letter which has allowed them way more time to do so and still didnt bother to supply any form of proof of any kind of investigation to the validity of these collections or the information supplied in this report that is clearly not complete as they claim it to be. Without said requested proof in the time frame permitted as per the fair reporting act, this item should be deleted from my report. 



XXXX XXXX XXXX : Inaccurately reporting account as Open. Inaccurately reporting a balance when the item has been charged off. Inaccurately reporting a past due balance when account has been charged off. 

Due to lack of supplying any form of proof for their investigation as requested to validate item as well as the incorrect items that need that proof be shown, this item should be removed from my report. They did not supply any form of proof of their investigation in the time frame slotted by the fair reporting act. 

XXXX XXXX : Again, inaccurately reporting a balance and past due when the item is a charge off. 

The ledger has XXXX UNKNOWN providing an incomplete report from XXXX. 

The proof I received from XXXX lacked statements thruout all years and was incomplete. They also stated that they did not have statements further than 2 years back. That would be incomplete and this item should be removed from my report. 


Page 12 : They claim this page has investigation results : VERIFIED AS ACCURATE. I do not believe they did any kind of investigation on these collection items at all and I requested Proof of these investigations and received NOTHING!!!! They did not supply any proof of any kind of investigation as requested in more than one dispute letter which has allowed them way more time to do so and still didnt bother to supply any form of proof of any kind of investigation to the validity of these collections or the information supplied in this report that is clearly not complete as they claim it to be. All collection items on page 12 should be deleted as per the lack of requested validity and proof of an investigation in the time frame permitted as per the Fair Reporting Act, its been 3 months : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : ANOTHER Falsified payment received date with a {$0.00} dollar amount. Falsified last payment date. 

Ledger UNKNOWN XXXXincomplete reporting. Item should be removed from my report as it can not be verified as accurate with unknowns. 

Page 13 : XXXX XXXX XXXX : I did not receive the requested proof of investigation or the validity of the account to be owned by this collector. 

Due to this lack of proof in the time frame slotted by the fair reporting act, this item should be removed as it can not be verified without said proof. 


XXXX XXXX XXXX : Falsified payment received date and amount. {$0.00} is not a payment. 
Last payment made date contradicts the ledger as it clearly shows payments made thru XX/XX/XXXX. 

Also shows a closing date for the account as XX/XX/XXXX when the ledger shows that to have only been 60 days past due on payment. 
Ledger also contains UNKNOWN entries which is an incomplete reporting. 

Due to these discrepancies as well as the incomplete ledger and proof of any investigation to validate this collection or the dates for that matter, this item should be removed from my report as this proof has never been supplied in the time frame given by the fair reporting act. 


This report is dated complete XX/XX/XXXX. It is now XX/XX/XXXX. I have not received any form of proof for any kind of investigation from Transunion as requested in my last two dispute letters dated XXXX and XXXX. Transunion has failed to follow the guidelines set forth by the Fair Reporting Act and I believe misused their power of reporting my credit report information in retaliation of my complaints both in house as well and informing them I would be filing a complaint here. This report is NOT complete and far from accurate in MANY ways! They have had THREE FULL MONTHS to process my disputes to correctly report the information and failed MISERABLY! They made obvious mistakes that were even requested to be fixed in my dispute letters. They made a mockery of their duty to fairly report as per the fair reporting act. I think its obvious they will do whatever they want in any time frame they see fit or at least with my disputes and reporting. I have proven every step of the way and supplied the proof of their lackluster ways of abiding by the law. I truly believe a lot was done to actually tank my score in a one month time from a XXXX all the way down to a XXXX, which is lower than when I started the path to repair my report. This was done in retaliation of my complaints and demanding that they will be held accountable for the items in my dispute letters. They did nothing fairly nor have they done it in the time allowed. 

I believe if they are allowed to get only a slap on the wrist they will do this again and again as they seem to believe they can. They should not only be held accountable, but fined for this!! Its not ok what they have done here and its far from the fair reporting they claim to be. They should have processed every dispute letter I mailed to them and completed them in the time frame they are allowed!!! They took liberties to disclaim my first two dispute letters even tho they were sent CERTIFIED, the letter was signed by me in ink, had my social and full name and birthday, and mailed with a clear copy of my state issued drivers license and a bank statement with my home address! They dropped the ball not once but twice and then did everything they could to retaliate once I complained and demanded they process my disputes in the time they were allowed! Once I requested the information to file a complaint here and made it clear I would do so.someone there made sure my report would end up a mess of inaccuracy and do things daily to downgrade my score, by even waiting until the DAY AFTER THIS REPORT was complete to then make changes to drop my score XXXXpoints as laid out in my last complaint! UNACCEPTABLE!!!!

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