Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XX/XX/XXXX To Whom It May Concern, I am 100 % in disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately reinvestigated and for good cause. These inaccuracies are highly injurious to my credit rating. There are inaccuracies on my report for the following accounts. Please remove ASAP! 
XXXX XXXX XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error - Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1692f ( 1 ) Unfair Practices- Please delete immediately! 
XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX  - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
I would like to know how you verified this account. In fact, there is NO WAY possible this account was validated because it is not even reporting correctly on my report amongst the three bureaus. The " date open '' is not the same across my three credit reports. It is impossible for this single account to have multiple different open dates. You are not reporting 100 % correct information. Thanks to this inaccurate reporting, it is causing issues with my credit score. I am positive it is against the law to leave anything inaccurate on my report, and I want it removed ASAP. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual PROOF the information was verified, not a computer generated confirmation! Provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. The date you contacted the individual furnishers of information. The method of communication you used to verify the information. I would also like to know if the furnisher provided you with my SSN, address or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. Your cooperation and prompt attention are required by law. 
Sincerely, XXXX XXXX

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