Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
Based on the past year of disputing with XXXX, TransUnion, and XXXX  credit bureaus about inaccuracies on my credit report, Im asking you to get involved. Why? Because in the month of XXXX I pulled my credit report and found the same inaccuracies that I had been disputing for the past 12 months. So, I disputed again in XXXX. The credit bureaus came back saying the information was updated and/or verified. I have included those credit bureau reports in the attachment showing my evidence that this information is wrong. 

Just to reaffirm that what the credit bureaus was saying was accurate, I pulled my MyFico credit reports for the month of XXXX. This is what I found : 1. This is the only alleged account ON MY REPORT, XXXX  ( account # XXXX ). Here is the list of things that are wrong with this account ON MY CREDIT REPORT since I have been disputing : The credit bureaus say it was updated on XX/XX/XXXX. 
This alleged account was closed on XX/XX/XXXX, but in the payment history of XXXX XXXX  has been reporting paid as agreed from XXXX to XXXX of XXXX. In XX/XX/XXXX it is saying the account was charged off. Clearly this account is being re-aged, which is a violation. 
This alleged account for XXXX  for XXXX has me paying for the full year. How can that be if the account was closed in XXXX? 
The date of last activity has 3 different dates : XXXX ( XX/XX/XXXX ), TransUnion ( XX/XX/XXXX ), and XXXX  did not report the date of last activity. 
In the comments section it does not show any comments for my dispute from XX/XX/XXXX. 

I have attached a circled document so you can easily find the information of what Im saying and that the credit bureaus need to delete the information of this alleged account from my credit report. 


2. This is the only alleged account ON MY CREDIT REPORT, XXXX ( account # XXXX ) The credit bureaus say it was updated on XX/XX/XXXX. 
This alleged account was closed on XX/XX/XXXX, but in the payment history of XXXX XXXX  has been reporting paid as agreed from XXXX to XXXX of XXXX. In XXXX and XX/XX/XXXX, it is saying the account was charged off. Clearly this account is being re-aged, which is a violation. 
This alleged account for XXXX  for XXXX has me paying for the full year. How can that be if the account was closed in XXXX? 
In XXXX all 3 bureaus have no reporting from XXXX to XXXX of XXXX. 
XXXX  has me paid as agreed in XXXX, but the other two bureaus did not report. 
From XXXX to XXXX of XXXX the payment history is inaccurate for all 3 bureaus. 
The date of last activity has 3 different dates : XXXX  ( XX/XX/XXXX ), TransUnion ( XX/XX/XXXX ), and XXXX  doesnt report. 
There are no comments that I disputed this account in the comments section. 

I have attached a circled document so you can easily find the information of what Im saying is accurate and that the credit bureaus need to delete the information of this alleged account from my credit report. 


3. XXXX XXXX  XXXX XXXX. - Account # XXXX XXXX  and XXXX  updated this account on XX/XX/XXXX, TransUnion updated on XX/XX/XXXX. This account payment history needs to be updated to paid as agreed. Why? Because the current payment history is inaccurate. 
In XXXX XXXX  and TransUnion have me paid as agreed from XXXX to XXXX, whereas XXXX  only has me paid as agreed in XXXX and XXXX. 
XXXX  has me paid as agreed in XXXX and XXXX, and TransUnion and XXXX  do not show any reporting. 
In XXXX XXXX  and TransUnion have me paid as agreed in XXXX and XXXX. XXXX  is not reporting. 
In XX/XX/XXXX XXXX  and TransUnion state that I was 30 days late. XXXX  is not reporting. 
From XXXX to XX/XX/XXXX XXXX  and TransUnion reports me as paid as agreed. XXXX  does not report any from that period. 
The date of last activity has nothing being reported for XXXX. TransUnion reports XX/XX/XXXX. XXXX doesnt report anything. 
In the comments section, it does not show that I disputed this account in XX/XX/XXXX. 
My 2-year payment history for XXXX needs to be updated to paid as agreed. 

4. XXXX XXXX Account # XXXX The date of last updated was XX/XX/XXXX for XXXX  , XX/XX/XXXX for TransUnion , for XXXX  XX/XX/XXXX. 
The 2-year payment history is wrong and inaccurate. Why? Because all 3 bureaus had me paid as agreed from XXXX to XX/XX/XXXX. In XXXX XXXX  and XXXX  have me paid as agreed, but TransUnion did not report. 
In XXXX XXXX  has me paid as agreed and TransUnion & XXXX  didnt report. 
In XXXX, XXXX  and XXXX  have me paid as agreed from XXXX too XXXX. TransUnion has me 30 days late in XXXX. How can that be? 
XXXX  is not reporting the date of last activity. TransUnion is reporting XX/XX/XXXX and XXXX  is not reporting a date of last activity. 
There are no comments about me disputing in the month of XX/XX/XXXX. 


P.S. I will be sending this information to the XXXX XXXX XXXX and the State Attorney General because this has gone on for too long!

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