Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 been disputing TransUnion for a couple years now. I've been disputing the same information with no real results. TransUnion has completed many of my disputes and returned most of the information as verified. I no longer have access to the older dispute as per a block on TransUnion, but I have the emails containing confirmation numbers of the previous disputes. The biggest issues is reporting charge-off for accounts completely paid through insurance companies on-time and reporting late payments when I submit disputes for those accounts. I contact every creditor on my credit file myself to complete my own investigation of these " verified '' accounts. When I attempt to verify with these creditor and collections company, they request I give them sensitive information like DOB, social and address, information these companies should already have on file since TransUnion verified, but this information should also be attached to the name and account number available via my credit report. A majority of the companies listed on file as well as collections company can not verify the information with the account numbers listed on my file, which I should be able to under the FRCA and FDCA. Additionally, collections accounts have been reaged and/or resold with no indication of that on my credit as well. Some accounts either do not have account numbers or the account numbers are inaccurate when used to contact collectors. I also request information from medical companies listed on my credit report and requested verification of the account. These collectors had access to Medical History and documentation without a signature and date authorizing any release of any files. This is a violation of my rights under HIPAA. These collectors should not have any information on my medical history. TransUnion, therefore, is sharing unauthorized information with unauthorized third parties. Collections account have been reaged to this year, even though they've been disputed and each time it's disputed the open date changes. Some accounts do not have the full payment history from the time of opening the account until it was closed. TransUnion has also readd debt, with no letter within 5 days. Additionally, those accounts were disputed and deleted with reason ( inaccuracies and lack of verification ). Due to the lack of integrity in TransUnion investigation methods, my credit has continued to take a hit each month on account that are inaccurate. TransUnion has also blocked me from seeing my dispute results and seeing my credit file directly with them. When I request to see my credit, I get sent to a 3rd party page. Additionally, I have requested original signed contract with many of these credits and each has sent statements. None has been able to send verification of contracts with these creditors. TransUnion is not doing a proper independent investigation of these disputes. Any information provided by third- party databases is not an independent investigation with Transunion and the original creditor or collectors with the appropriate verification of debt.

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