Consumer complaint received 2021-05-29
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: Account information incorrect

Complaint:
I am writing this complaint in reference to XXXX account ending in XXXX, with a remaining balance of {$0.00} ; which was satisfied on XX/XX/XXXX with the agency that the account was sold to, XXXX XXXX XXXX XXXX. My complaint is with Transunion as I have disputed the incorrect information with them several times within this past year and they do absolutely nothing to correct and remove the negative tradeline per FCRA guidelines. Also, instead of following applicable Federal FCRA laws and removing the account due to multiple reporting inaccuracies, Transunion takes my dispute and sends to XXXX, who in turn does absolutely nothing. I as the law abiding consumer get left holding the bag for interconnected oligarchs that commit financial crimes as usual. Lenders and finance companies that I apply to deny me funding due to the negative collection account that XXXX reports to Transunion. In addition, XXXX has written this account off on their taxes shortly after the year XXXX, sold the account to another agency that I paid off, yet falsely represents this account as themselves being the debt owner. Transunion reports no historical data on this negative tradeline. The comments section states, " no payments have been reported on this account ''. How can Transunion report a chargeoff account on my credit file with no historical data that leads up to a chargeoff status? How can you report an account as a chargeoff with no payment history of late payments reported? How can you determine a chargeoff period if their is no missed or late payments that have been reported that verify your credit entry claims? I disputed this with Transunion over 4 times since XXXX of XXXX. They never truly investigate my dispute, they use the E-Oscar computer program that sends back false information about how a human " did not '' conduct a true investigation into my dispute ; This is a FCRA " Metro 2 '' Compliance violation. Date of last Activity is XX/XX/XXXX yet Transunion reports this information as XXXX of XXXX, which is incorrect and another compliance violation. The text in the comments section state that this account was sold to another lender, yet they do not list who the lender is which is, along with monthly payment amount, late payments, terms, company sold to :, and original creditor, which compounds multiple FCRA metro 2 violations. They are not only hurting my credit file but they're also breaking consumer laws with no justification for doing so and have not given any explanation for doing so until this day of XX/XX/XXXX. All relevant documents that prove my claim have been attached to this complaint. I need this account removed from my Transunion credit file immediately upon receipt of this complaint due to multiple FCRA violations including incorrect, incomplete credit entries, and making false representations of historical credit data.

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