Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
First I would like to say that I have not gotten a single response to any of my disputes sent to TransUnion. My disputes started on XX/XX/XXXX and no investigation has been provided to me. 

1. Personal information is inaccurate. 
Letters sent XX/XX/XXXX certified receipt on XX/XX/XXXX, 2nd notice XX/XX/XXXX delivered on XX/XX/XXXX and XX/XX/XXXX delivered XX/XX/XXXX to update personal information and still has not been updated properly. Have provided my address multiple times along with the current driver license, social security card and copy of my current bank statement. All that has been provided on multiple occasions and continue to send me letters saying they need to more information from me. This is completely unacceptable behavior. 

Per XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 reporting the following accounts are inaccurately reporting and have address this multiple times and still no response and still being reported on my account. 

2. XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX - Date of last payment listed as XX/XX/XXXX on my credit report with no actual payment reported Base segment Field 16 being reported.

Payment history Base segment Field 18 missing and unable to confirm correct payment rating Base segment Field 17B. Missing base segment Field 25 FCRA compliance date of first delinquency after multiple request has been given. 

3. XXXX Account has been change multiple times with no update and a clear indication that there is an error in their Metro 2 system and reporting. 
High balance on XX/XX/XXXX was XXXX, XX/XX/XXXX XXXX, then XX/XX/XXXX back to XXXX. 
Last verified on XX/XX/XXXX was XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, and then XX/XX/XXXX back to XX/XX/XXXX. 
Date of last activity on XX/XX/XXXX was XX/XX/XXXX, XX/XX/XXXX was XX/XX/XXXX and then XX/XX/XXXX was XX/XX/XXXX. 
Payment Rating XX/XX/XXXX charge off, XX/XX/XXXX current, XX/XX/XXXX charge off Special Comment Codes on XX/XX/XXXX Charged off as bad debt Purchased by another lender, XX/XX/XXXX Canceled by credit grantor, then back to Charged off as bad debt Purchased by another lender on XX/XX/XXXX Missing XXXX Segment Purchased From/Sold To Indicator = 2 and Sold To Name = name of company to which the account was sold Credit limit XX/XX/XXXX was XXXX, on XX/XX/XXXX was XXXX and then XX/XX/XXXX was XXXX again. 

This account is unverified, inaccurate and no longer belongs to XXXX. I contacted XXXX and no longer have information on this account so how is this account verifiable? Must be deleted immediately 3. Portfolio {$3100.00} Date of account information is inaccurate- date of last activity should reflect the date of status with the original creditor and not continue to renew each month on a collection account. 
XXXX XXXX  Classification type of business Not being reported FCRA compliance date of first delinquency has not been provided after multiple request given Has not validated this account after multiple request Metro 2 Compliance requires that Collection must report Report the complete name, address, social security number and date of birth for the legally liable consumer ( s ) So if Transunion doesn't even have the correct information how is this on my credit report. 
Deleted unverified inaccurate account Bankruptcy is inaccurate and unverified. XXXX removed the account and have included the letter in this complaint. Should be removed immediately. 


Attached are all the letters, delivery recipes, ID, Social security bank statement. and copy of the removal letter for the bankruptcy

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