Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX Dear Transunion, XXXX  and XXXX, I am writing to dispute the following information that appears on my Transunion, XXXX  and XXXX  XXXX reports from XX/XX/XXXXXXXX  : XXXX XXXX/XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I previously disputed this account and it was never verified by the creditor but its still on my credit report. I sent a letter to you on XX/XX/XXXX CFPB telephone complaint, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website. I requested that you send me 1. Copy of the contract that included my signature.

2. Copy of the investigations results.

3. Proof of validation.

4. Full updated copy of my credit report As of todays date, XX/XX/XXXX you have done neither! You have not sent any of the requested information. Nor have you sent me a new updated copy of my credit report. The information that is reporting is inaccurate. You are continuing to intentionally report false, inaccurate, incriminating information which is a violation of FCRA. You have failed to respond to my requests within the original 30 day timeframe. You have NOT verified any information listed regarding this account. There are several discrepancies and I am demanding that it is deleted TODAY or you will be hearing from my attorney. I have included a 3-in-1 credit reported that was pulled today on XX/XX/XXXX. If you review page 13 of 35 you will see the following : XXXX Acct # : XXXX High Balance being reported for all 3 bureaus : {$2400.00} Last Verified by Transunion XXXX XX/XX/XXXX XXXX  -- XXXX  XXXX XXXX  and XXXX  were sent the exact same letters and have never responded and never investigated! 
Date of Last Activity : Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Date Reported : Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Date Opened : Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Balance Owed : Transunion {$0.00} XXXX  {$0.00} XXXX  {$2400.00} Closed Date : Transunion XXXX XXXX  -- XXXX  -- Account Rating : Transunion Derogatory XXXX  Derogatory XXXX  Open Account Dispute Status : Transunion Account not disputed XXXX  Account not disputed XXXX  Account disputed Creditor Type : Transunion XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX  Account Status : Transunion Closed XXXX  Closed XXXX  Open Payment Status : Transunion XXXX XXXX Plan XXXX  XXXX XXXX  XXXX  XXXX  Unknown Creditor Remarks : Transunion XXXX XXXX ; dispute of account information Unpaid balance reported as a loss by credit grantor. XXXX  Debt included in or discharged through Bankruptcy XXXX XXXX. XXXX  XXXX disputes - reinvestigation in progress Consumer disputes this account information All 3 bureaus are reporting the same account but all of the information is different on each report! All of the information is inaccurate! None of the information is factual! Delete this account for consistent inaccuracies, false reporting and failure to provide a proper and timely investigation. Thank you so much in advance for your immediate attention to this matter!

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