Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I filed a complaint with Transunion on XXXX XXXX XXXX. Complaint # XXXX. I proved to Transunion that XXXX XXXX has reported my debt wrong at least 14 times. Transunions answer to me was that they notified XXXX XXXX XXXX  and XXXX XXXX verified the current information to be correct. ( See Transunions response to my complaint. ) If this is true then the other 14 things XXXX XXXX verified to be correct was wrong. Does this make any sense at all? XXXX XXXX reported at least 14 things incorrect to XXXX Transunion and XXXX all 14 they verified to be correct each time they reported it yet now they say that those 14 different versions was not correct but this 15th one is.. Transunion is allowing this information to be added on my credit report. XXXX XXXX by their own admittance has said the last 14 thing they verified to be correct were wrong but this time this information is correct. Does it really take a genius to figure out that if this bank has reported 14 things wrong and swore they were all correct at the time then maybe they are not credible. How can they report totally different information to all 3 credit bureaus at the same time and be considered credible? Yet Transunion says XXXX XXXX verified this last information to be correct. If the information they verified to be correct in the past was not correct then why would anyone believe the current information is correct. Does this really make any sense? If I told you 14 completely different versions of the same story and then swore to you my 15th version was correct would you consider me credible? That is what Transunion is doing with XXXX XXXX bank. This bank has told so many different accounts of this debt to XXXX, Transunion and XXXX yet they are expected to be believed that they are credible? Only a fool would consider them credible. It is obvious that XXXX XXXX is not credible at all yet Transunion allows them to keep reporting many different versions of the same debt on my credit report. They told XXXX on XX/XX/XXXX that I owed them {$350.00}. They told XXXX on XX/XX/XXXX that I owed them {$440.00} for the same debt. Then they told Transunion that on the same day XXXX the XXXX that I owed {$350.00}. How can I owe 3 different amounts on the same debt? They told XXXX that the original balance was {$480.00} and I had only made one {$40.00} payment. Then on the same day they told Transunion that the original balance was {$440.00} and I had missed no payments. Which version of that is correct. They told XXXX that the original debt was {$480.00} and I had only made one payment in XXXX of XXXX. Then they said told Transunion that on XX/XX/XXXX of XXXX my balance was {$350.00} and I made a {$90.00} payment. How can the original debt be {$480.00} and only 1 payment made in XX/XX/XXXX if the balance was {$350.00} in XXXX of XXXX and I missed no payments???? Transunion is aware of all these inconsistencies in XXXX XXXX 14 different versions of the same debt yet they say XXXX XXXX is credible? Look closely at the attachments. It is obvious XXXX XXXX has told numerous incorrect versions of the same debt. If their current version that they verified to be true then the last 14 versions they also verified to be true were incorrect. Yet Transunion said they are credible. Would you accept all this different versions reported on your credit report? All I want is the correct information reported or none at all. This bank has told so many different versions of this debt that its just unreal.

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