Consumer complaint received 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
After many attempts to correct items on my credit on line, by phone and fax, I am filing this complaint because Trans Union stated my last complaint to the CFPB was a " duplicate '' which it was not. On XX/XX/2019 I faxed XXXX XXXX of Trans Union them the attached letter. On XX/XX/XXXX I was sent a response, with a form letter on " How to read your Investigation Results and an updated credit report, which still did not have the necessary corrections, or remove outdated accounts. 
Trans Union HAS NOT RESPONDED TO MY REPEATED REQUESTS FOR INFORMATION, as stated in my letter faxed to them XX/XX/XXXX. It is well over 30 days & in less than a week will be over 60 days, this is unacceptable. 

I continue to get updates that either state the information is accurate, ( when it is not, ) or that information that is " Accurate '' remains on your report an average of 10 years from the day it is closed. 
I went to the Trans Union site and read the " Frequently asked credit questions concerning " How long does Negative information stay on my credit report? '' It stated 7 years or 10 years for positive information, adding revolving accounts, such as credit cards with a positive history will stay on your report for as long as the account is active, which is a contradiction of their prior statement, along with the fact that, Trans Union is ignoring both Federal & State Laws ( California, ) for credit. 
Additionally, I have repeatedly explained that not only is my credit report based on the FCRA, but also on the California bill of Rights, which gives me the right to request information that is older than 7 years whether negative or accurate to be removed from my credit file. 
There are creditors reporting 15+ years since the file was closed or became inactive, that the bureaus refuse to remove. When a company such as XXXX XXXX is transferred the Servicing Rights of my loan from XXXX  XXXX XXXX, they may not report for 60 days after the transfer, yet they did. 
When an Error Notice is in progress the company also can't report on my credit, but Trans Union accepted their information. Additionally, after the credit bureau deletes/corrects Mortgage information on my report, the new Servicer can not add it back in, but Trans Union allowed this inaccurate information to reappear. Furthermore, my report states ; XXXX  XXXX XXXX inquired on my credit XX/XX/2019. Even though there permissionable rights to check my check extinguished on XX/XX/2019, when the loan was transferred, and sold to XXXX XXXX. 
I made a request in writing for corrections : Investigation Request to Delete inaccurate credit reporting, unrecognized accounts, & outdated ( over 7 years. ) based on the most recent credit report & in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), and the State of California - Consumer Credit Reporting Agencies Act, CCRA 1785-1788 the California Bill of Rights, or California Code of Civil Procedures : Section 1021.5 I am practicing my right to challenge questionable information that I have found on my personal credit report made on my personal credit report. I am now requesting a re-investigation under Civil Code - Title 1.6 -1785.30, by making this written demand to correct all items disputed within the next 30 days. I am also requiring Trans Union to correct or delete all items found to be inaccurate during the dispute period. If you have not been provided with any evidence the information originally provided is correct, your agency shall delete the information from my report. If the reported information is not corrected, modified, or deleted, I ask that I am promptly notified and provided with all relevant information that is received by the Agency concerning my dispute. What is most important is correcting the information reported by XXXX, as I am trying to purchase a home, and their inaccurate reporting has dropped my overall credit scores over 100 points. in the status section for XXXX  XXXX  XXXX  it should state : Original Creditor was : XXXX  XXXX XXXX Company Sold on : XX/XX/2019 Balance as of this date : {$290000.00} Monthly Payment beginning XX/XX/19 : {$970.00} Terms : 32.42 yrs./389 months ( See XXXX  XXXX  XXXX amortization agreement . ) Missing payments made on : XX/XX/XXXX and XX/XX/2019 in the amount of {$1300.00} The last payment made XX/XX/XXXX for {$1300.00} & isn't documented. This is important to report because this loan changed both lenders & Servicer 's with the first payment to the new lender on XX/XX/19 not shown nor XX/XX/19. 
Under RESPA there is a 60-day period beginning on the effective date of transfer of the servicing of any federally related mortgage loan, a late fee may not be imposed on the borrower. This is often misinterpreted as meaning that after 60 days the new mortgage loan servicer MUST report the account to the credit bureaus, this is incorrect. The 60-day rule simply says that credit reporting can not occur if a payment has been made, not that credit reporting is required. XXXX   XXXX XXXX accurately shows a balance of {$290000.00} Monthly Payment beginning XX/XX/19 : {$970.00} Terms : 32.42 yrs. or 389 months ( See XXXX  XXXX XXXX amortization agreement. ) Some of the information was correctly deleted in the report as requested, while other information was disregarded because the creditor stated it was accurate. 
The accounts below are reporting incorrectly please investigate these : 1.  XXXX XXXX XXXX account # XXXX closed over 7 years ago/ Auto Loan 2.  XXXX XXXX XXXX account # XXXX closed over 7 years ago/ Auto Loan 3. XXXX XXXX XXXX account # XXXX closed over 7 years ago/ Auto Loan 4.  XXXX XXXX XXXX account # XXXX closed over 7 yrs. ago/ Credit Card 5. XXXX XXXX XXXX account # XXXX / Credit Card Paid I asked Trans Union provide me the following information concerning the results of this Re-investigation 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth? 
6. Concerning XXXX  What proof was provided to your company allowing XXXX to report after the Transfer? 

Results of Re-investigation Please provide me with the following once your investigation is completed : A statement that the Re-investigation has been completed A Revised Consumer Report A Description of the Procedure used to Determine the Accuracy How did you arrive at the Completeness of the information I was provided? 
Any future Notifications ( under subsection - d ) are furnished to me.

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