Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 would like to file a complaint on Transunion for not reinvestigating some items I brought to there attention on XX/XX/XXXX. I disputed 4 accounts based on inaccurate reported information as well as sent them copies of proof to support my dispute. 

XX/XX/XXXXXXXX XXXX  sent a correspondence specifying when the Date of Delinquency occurred which was on XX/XX/XXXX, causing the Last Payment to have been made on XX/XX/XXXX. 

XX/XX/XXXX XXXX sent a correspondence specifying when the Date of Delinquency occured which was on XX/XX/XXXX, causing the federal 7 year reporting running of reporting period as described in 1681c ( c ) to expire on XX/XX/XXXX. 

My Transunion Dispute sent on XX/XX/XXXX to Transunion, XXXX XXXX XXXX, XXXX PA XXXX with attached Transunion report dated XX/XX/XXXX File Number XXXX ( I included a copy of my report and dispute for your viewing ) specified clearly the specific accounts and reasoning for there own dispute. 

XXXX XXXXXXXX - date closed XX/XX/XXXX is wrong. 

XXXX XXXX XXXXXXXX XXXX - last payment XX/XX/XXXX is wrong. 

XXXX XXXXXXXX - estimated month and year this item will be removed XX/XX/XXXX is wrong XXXX XXXX XXXX - account type Open Account is wrong because the closed date reports XX/XX/XXXX. 


I checked on there XXXX website to see the status of my dispute and it showed that Transunion completed a investigation on XX/XX/XXXX. I tried clicking on the link View Dispute Results and the only thing that pops up is a error saying we are having technical difficulties, we appreciate your patience while we resolve this issue. Me not being able to see my results when transunion says its ready is a real inconvenience for me and I do not know the results outcome based on there reinvestigation. I decided to get a new report on XX/XX/XXXX to check to see if Transunion fixed the errors I brought to there attention. I was shocked to see the only account transunion fixed was the XXXX account. Transunion removed the closed date on the XXXX account to support the Open status. The remaining 3 accounts I had included in the same letter were either never reinvestigated or Transunion blatantly failed to fix the errors I had brought to there attention. The reason why I say Transunion may have not reinvestigated these accounts is because Transunion actually removed the Remarks field on all 3 accounts on my updated XX/XX/XXXX report, and if there is no remarks field reporting then there is no notice these accounts were disputed by the data furnishers 1682s-2 ( a ) ( 3 ) and without the creditors notice of dispute it is impossible for Transunion to complete there reinvestigation under FCRA law 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 2 ) ( A ) and ( B ). If Transunion claims that these accounts were in fact reinvestigated then why didnt transunion fix the errors I had previously requested? The same errors that were on my XX/XX/XXXX report reflect the same on my XX/XX/XXXX report with the exact same file number. It is not fair that Transunion can complete a reinvestigation and modify correctly only 1 of the accounts that was listed on the same letter as the 3 additional accounts and the 3 additional accounts were not fixed or never reinvestigated. 

My Transunion report dated XX/XX/XXXX SAME File Number XXXX in regards to the 3 accounts ( I included a copy of my report for your viewing as proof Transunion is non compliance ) XXXX XXXXXXXX - the error date closed XX/XX/XXXX is still reporting. 

XXXXXXXX XXXX XXXXXXXX XXXX- the error last payment XX/XX/XXXX is still reporting. 

XXXX XXXXXXXX- XXXX error estimated month and year this item will be removed XX/XX/XXXX is still reporting. 



Transunion is not following proper compliance proceudres in regards to reinvestigating items I bring to there attention. I attached additional paperwork from the creditors proving to transunion the errors are not allegations but proven blatant facts directly from these creditors to support my dispute. There should be no reason why transunion did not fix the errors. I specifically told Transunion what account and account number was inaccurate and the reason for the basis of my dipsute with attached proof of paperwork.The same paperwork these creditors sent me in regards to specific information in connection with the accounts is the same information the creditors send the consumer reporting agencies to report. Since these creditors have complied and verified with me the information they are giving to the consumer reporting agencies, Transunion is responsible for reporting blatant inaccuracies on my private non public consumer file especially after I had already notified them about these specific errors. Transunion simply doesnt care about federal and state laws and must be held responsible for the non compliance procedures they are conducting on my consumer file because not only are they violating my right to privacy and damaging my credit worthiness by reporting such inaccuracies there are damaging my character and ability to gain new credit line opportunities with future financial institutions. I do not believe reasonable and proper procedures were practiced before preparing me a new report because my XX/XX/XXXX report is NOT reporting to the maximum possible accuracy 1681e ( b ). The FCRA clearly states the consumer reporting agencies have two options in regards to a reinvestigation and its either modify the account as appropriate based on the results of the reinvestigation or delete the accounts. Transunion has failed to modify these accounts accurately therefore I request that these accounts must be deleted 1681i ( a ) ( 5 ) ( A ) ( i ). I have also included the most recent disputes I sent to transunion for the XXXX, XXXX  and XXXX accounts sent on XX/XX/XXXX just in case Transunion sends me there generic response letter and fails to answer to my request.

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