Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This complaint is against Transunion XXXX and XXXX XXXX XXXX XXXX  for FAILING to reinvestigate specific errors and send me proper RESPA disclosures that I have requested from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  has also Failed to include the proper compliance condition code ( CCC ) on the reported account proving that a reinvestigation had been properly conducted and completed, which tells me XXXX XXXX XXXX XXXX  is refusing to answer to my request or complete a reinvestigation. There are so many errors Transunion and XXXX are CURRENTLY reporting differently. I sent my disputes certified to assure Transunion and XXXX have received my request to indirectly dispute with XXXX XXXX XXXX XXXX. To my understanding XXXX XXXX XXXX XXXX  had 30 business days not including holidays or weekends to reinvestigate the inaccurate reported account as well as send me the requested disclosures in which they have failed to do so. 

XX/XX/XXXX I sent Transunion and XXXX a dispute. Transunion tracking number XXXX and Transunion received my dispute XX/XX/XXXX XXXX it has been 37 days since TransUnion received my dispute. XXXX tracking number XXXX and XXXX received my dispute XX/XX/XXXX XXXX it has been 39 days since XXXX recieved my dispute. BOTH agencies are required to send my dispute to the person whom is furnishing my report in order for the company to do a reinvestigation which is XXXX XXXX XXXX XXXX. either Transunion and XXXX are NOT abiding by the FCRA requirements or XXXX XXXX, either way there is no proof a actual reinvestigation has took place and at this point XXXX XXXX and XXXX XXXX are in non compliance of the FCRA. 

It is now XX/XX/XXXX and I got a new updated report from the source of XXXX to check for any updates. To my surprise neither Transunion or XXXX has included the appropriate compliance condition code ( CCC ) to support if a reinvestigation had been conducted and completed by XXXX XXXX. To my understanding the compliance condition code is used to satisfy the obligation to communicate that a debt is disputed by the data furnisher and the data furnisher has 30 business days not including holidays or weekends in order to complete the reinvestigation and send me the consumer the disclosures I have requested under RESPA as well as attend to the inaccuracies and inconsistencies being reported. I have also specified under the Truth and Lending Act I have the right to know who the true party of interest in the transaction was. Such disclosures and documents I have NOT received from XXXX XXXX. I have also been made clearly aware that XXXX XXXX has cases against them for violating the EOA ( Equal Opportunity Act ) as well as refusing to answer to consumers inquiries, such cases have caught my attention and such cases have gotten remedy from XXXX XXXX due to their unfair acts. The last time XXXX XXXX reported to Transunion was XX/XX/XXXX and XXXX was XX/XX/XXXX. There is no notice that this account was disputed, therefore XXXX XXXX has blatantly ignored my dispute. I have given XXXX XXXX the respectful 30 business days given by the FCRA to answer to my dispute and complete there reinvestigation and they refuse to do so. XXXX XXXX is required to answer to my inquiry ( dispute ) and they choose not to. 

Differences between Transunion and XXXX Transunion Last Verified XX/XX/XXXX XXXX XXXX   ( incomplete ). 
Transunion Date Last Activity XX/XX/XXXX XXXX XX/XX/XXXX. 
Transunion Last Reported XX/XX/XXXX XXXX XX/XX/XXXX. 
Transunion Date Opened XX/XX/XXXX XXXX XX/XX/XXXX. 
Transunion Closed Date XXXX XXXX XXXX ( incomplete ). 
Transunion Account Rating Derogatory XXXX Paid. 
Transunion and XXXX Dispute Status - Account not disputed. ( should have been disputed ) Transunion Account Status CLOSED. XXXX OPEN. 
Transunion and XXXX XXXXayment Status Late 120 days ( this account is suppose to be reported as paid ). 
Transunion Creditor Remarks Foreclosure redeemed XXXX Real Estate Mortgage. ( no required compliance condition code included ) Transunion Last Payment XX/XX/XXXX XXXX XX/XX/XXXX. 
Transunion Term Length 360 Months XXXX XXXX ( incomplete ). 
Transunion Account Type FHA real estate mortgage XXXX XXXX XXXX Mortgage. 
Transunion Payment Frequency Monthly ( every month ) XXXX XXXX ( incomplete ). 
Transunion Payment History I dont even know if the payment history is correct. XXXX XXXX ( incomplete ). 

There should NOT be this many inconsistencies with both agencies because this information if from one person XXXX XXXX. If a proper and thorough reinvestigation was completed then this one account should be reporting the same information with respect to there individual fields. There is no reason why the account status is both open and closed at the same time. the account is either opened or closed. There is only one last payment. there is only one date of 1st delinquency. there is only one date of last activity. there is only one payment history. there is only one date opened. there is only one account rating. these specific fields are required to be reported the same. I understand all consumer reporting agencies MAY have different fields to report but that doesn't justify these specific fields to be reported differently. 
I demand the documents and disclosures I requested under RESPA. I demand for XXXX XXXX to specifically provide the information that is currently reporting differently that I have notated in this complaint.

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 non-monetary relief