Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
TRANSUNION, LLC assumed a role to report 100 % accurate information that includes the complete and accurate name of the creditors, accurate payment history, accurate balances, etc about consumers in which they have failed to do so on my behalf. I have advised TRANSUNION, LLC of their improper investigation and inaccurate reporting on several occasions as you can see in the attached green receipts and they have not corrected their error by deleting, blocking and removing the accounts as I have given written instruction. I have asked to see the full detailed investigative report to verify that they actually conducted an investigation. To date I have only received company procedure because as you will see there are numerous errors in their reporting. As you can see I have attached the alleged investigative report sent to me that was allegedly conducted. The investigative report comes back as updated and verified. However, the alleged accounts are full of inaccuracies after conducting what should have been an investigation before reporting such information and now an alleged re-investigation. For example : 1 ) the alleged account labeled XXXX  XXXX XXXX, NA is being inaccurately furnished as a charge-off. If this alleged account is a charge-off there should be no balance and you can clearly see that the alleged balance is {$49000.00}. Also it says that XX/XX/XXXX there was allegedly 30 day late and then XX/XX/XXXX it is undefined so when did this alleged account get charged off. 2 ) the alleged account labeled XXXX XXXX XXXX XXXX and as you can see isnt the true name of the alleged creditor. In addition, the alleged balance is a whole number which I can assume was probably rounded to the nearest whole number which is not an accurate reporting of the balance. 3 ) the alleged account labeled XXXX XXXX isnt the true name of the alleged creditor. The alleged account shows open XX/XX/XXXX however, payment history does not have any history for 2 years. 4 ) the alleged account labeled XXXX XXXX XXXX XXXX as you can see the isnt the true name of the alleged creditor. In addition, the alleged balance is a whole number which I can assume was probably rounded to the nearest whole number which is not an accurate reporting of the balance. 5 ) the alleged account US DEPT OF EDUCATION/XXXX  as you can see isnt the true name of the alleged creditor. The alleged account was opened in XX/XX/XXXX so where is the payment history dating back to XX/XX/XXXX. Also, from XX/XX/XXXX until XX/XX/XXXX the payment history is unknown even after an alleged reinvestigation further letting me know that they are reporting without validating information that a ) is none of their business and b ) information that they know nothing about. 6 ) the alleged account XXXX XXXX XXXX XXXX- XXXX XXXX   as you can see isnt the true name of the alleged creditor. The alleged account was open XX/XX/XXXX and payment history starts XX/XX/XXXX so what happened the month before. Then XX/XX/XXXX and XX/XX/XXXX it says payment history is unknown even after an alleged reinvestigation further letting me know that they are reporting without validating information that a ) is none of their business and b ) information that they know nothing about. 7 ) the alleged account labeled XXXX as you can see isnt the true name of the alleged creditor. It also alleges that XX/XX/XXXX that there was allegedly 30 days late, however under pay status it says that it Is allegedly 60 days late. It is impossible to allegedly be 60 days late if payment history only shows allegedly 30 days late. Therefore for inaccurately reporting these alleged accounts, they need to be blocked, removed and deleted from my consumer credit report and file immediately. In addition, I never gave TRANSUNION, LLC permissible purpose to furnish my consumer report to anyone and they have infringed on my consumer right to privacy even admitting to doing it by the inquiry XXXX XXXX  XX/XX/XXXX that needs to be deleted immediately from my consumer report and file.

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