Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a complaint about the credit reporting agency Transunion! 
Account : XXXX XXXX XXXX THIS IS A UNKNOWN ACCOUNT THAT I TRIED DIPUTING OFF OF MY CREDIT REPORT. THERE HAS BEEN XXXX OR XXXX UNKNOWN ACCOUNTS REPORTED ON MY CREDIT REPORT. THEY BEGAN SHOWING UP ON MY REPORT IN XXXX. NONE OF THEM ARE LARGE ACCOUNTS. THEY ARE ALL VERY SMALL ACCOUNTS, SOME HAVE ALREADY BEEN REMOVED, ACTUALLY HAVE BEEN REMOVED FOR THE MOST PART BUT A FEW HAVE STUCK TO ONE REPORT OR ANOTHER BUT IT'S NOT ONLY ANNOYING IN MY CASE IT'S ACTUALLY BEEN CRIPPLING. 

SO I HAVE TRIED MORE THEN THREE TIMES TO DISPUTE THIS ACCOUNT FROM MY CREDIT REPORT. IT'S UNKNOWN TO ME BUT XXXX RESPONDS WITH AND I QUOTE " WE INVESTIGATED THE INFORMATION YOU DISPUTED AND THE DISPUTED INFORMATION WAS VERIFIED AS ACCURATE. WE DETIRMINED THAT NO CHANGE NEEDED TO BE MADE TO THIS ITEM. HERE IS HOW IT APPEARS ON YOUR CREDIT REPORT FOLLOWING OUR INVESTIGATION.. '' WITH THAT BEING SAID I WILL ENTER EXHIBIT # A THE PORTION OF THE TRANSUNION CREDIT REPORT WITH THE ACCOUNT IN MENTION. 

IF YOU COULD PLEASE TAKE A LOOK AT EXHBIT XXXX XXXX WITH ME. FIRST, YOU MUST KNOW THAT I'M NOT A CREDIT REPAIR EXPERT. ALSO IF WE GO BY THE QUOTE FROM TRANSUNION WRITTEN ABOVE THE ACCOUNT ON EXHIBIT # A IS IN TRANSUNIONS OWN WORDS THEY VERIFY THIS ACCOUNT THAT'S BEEING REPORTED ON MY REPORT AND DETERMINED THAT THEY AFTER THREE OR MORE DISPUTES WILL NOT MAKE CHANGES TO THE REPORT. OK, SO IF YOU LOOK AT THE DATE OPENED, DATE UPDATED, PAYMENT RECIEVED, LAST PAYMENT, AS WELL AS DATE CLOSED, THEY ALL HAVE SOMETHING IN COMMON. XX/XX/2021. THE SAME DATE IS BEING USED AS THE DATE IN EVERY ONE OF THESE DATES. I HAVE NEVER SEEN THAT DONE MY ENTIRE CARRIER. MOVING ON TO WHERE IT READS LOAN TYPE : INSTALLMENT SALES CONTRACT. I ASKED TRANSUNION IN ONE OF MY DISPUTES TO THIS ACCOUNT TO PROVIDE THE ORIGINAL CONTRACT. THEY DID NOT HONOR MY REQUEST. IN ITS PLACE I RECIEVED A NOTICE ONLY THAT THE ACCOUNT WAS VERIFIED. SO BELOW LOAN TYPE ON THE REPORT, YOU SHOULD SEE IT'S HIGHLIGHTED IN BLUE " REMARKS '', PURCHASED BY ANOTHER LENDER>PAID IN FULL IT WAS A CHARGE OFF< NOW GOING BACK TO LOAN TYPE IT READS CONTRACT, A CONTRACT TRANSUNION CAN NOT PROVIDE BECAUSE IT IS UNKNOWN TO ME AND THERE NEVER WAS A CONTRACT. SO IF THE REASON WHY THIS IS ON MY CREDIT REPORT IS BECAUSE THERE'S A CONTRACT JUST AS IT READS IN THE LOAN TYPE SECTION ON THE CREDIT REPORT PLEASE PLEASE PLEASE PROVIDE THE ORIGINAL CONTRACT TO ME. SECOND AS A RESULT OF THIS ACCOUNT THERE IS NOW A SECOND ACCOUNT " XXXX XXXX XXXX # XXXX THIS IS THE INSTITUTION THAT BUYS DEBTS, BUT CAN NOT BUY CONTRACTS. THEY HAVE NO RIGHTS TO EMAIL ME ASKING ME FOR ANYTHING BECAUSE IT IS ILLEGAL. I DO NOT RECOGNISE THIS INSTITUTION. I DO NOT OWE THEM ANYTHING. AND I DEFINATELY DO NOT HAVE A CONTRACT BINDING ME WITH THEM OR THEM WITH I! NOW WHAT I AM ASKING VERY NICELY FOR IS SINCE I HAVE ALREADY DISPUTED THESE THINGS SEVERAL TIMES NOW AND TRANSUNION HAS DETERMINED THAT NOTHING SHOULD BE CHANGED, DO TO THE INNACURACIES AS WELL AS ME DISPUTING THIS ACCOUNT AT LEAST THREE TIMES GIVING TRANSUNION PLENTY OF TIME TO CORRECT ANY AND ALL ERRORS, THEY COULD NOT HONOR MY REQUEST TO PRESENT THE VERY CONTRACT THAT THE LOAN TYPE SECTION OF THE CREDIT PEPORT MENTIONS SOLELY AS THE BINDING LOAN TYPE, ADDED WITH THE CURRENT INNACURACIES REGARDING THE DATES, AND THE COMMON KNOWLEDGE THAT IF THERE IS NO ACTUAL CONTRACT TO BIND ME TO XXXX XXXX  OR XXXX XXXX XXXX WHO LEGALLY BUYS DEBT BUT CAN NOT BE INCLUDED INTO A CONTRACT WITHOUT WRITTEN PERMISSIONS. THEREFORE UNLAWFULLY REPORTS FICTITIOUS ADVERSE AND DEROGATORY ACTIONS TO MY CREDIT REPORT CRIPPLING MY ABILTY TO FUNCTION IN SOCIETY AS A NORMAL HUMAN BEING SHOULD. AS A RESULT OF THE NEVER ENDING INACCURACIES PLEASE REMOVE THESE TWO ACCOUNTS FROM MY REPORT. THIS HAS BEEN NEGATIVELY EFFECTING ME LONGER THEN IT SHOULD!

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