Consumer complaint received 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX Sent a dispute on XX/XX/XXXX, XX/XX/XXXX follow up with no response, XX/XX/XXXX, XX/XX/XXXX put in a complaint with the CFPB # XXXX where you responded that you would investigate and sent another dispute on XX/XX/XXXX with the next being XX/XX/XXXX with no responses given from you and still now on XX/XX/XXXX do not have a response and check the items online and still nothing has been done The date of last payment On TransUnion shows XX/XX/XXXX with no payment amount shown but XXXX  shows XX/XX/XXXX. How can this be accurate when it is being reported from the same creditor. In your report it shows that it was updated on XX/XX/XXXX which clearly no investigation has been but the remarks show that the account was disputed and resolved but there was not an update done. Your Loan type shows flexible spending credit card and XXXX  shows Credit card. 

Where are the results of your investigation if it was investigated if you have the same date of investigation but now different remarks on the report I pulled from TransUnion? I would like to see the verification that was sent to you from XXXX  XXXX about this investigation XXXX  XXXX Sent a dispute on XX/XX/XXXX, XX/XX/XXXX follow up with no response, XX/XX/XXXX, XX/XX/XXXX put in a complaint with the CFPB # XXXX where you responded that you would investigate and sent another dispute on XX/XX/XXXX with the next being XX/XX/XXXX with no responses given from you and still now on XX/XX/XXXX do not have a response and check the items online and still nothing has been done The date of last payment On TransUnion had XX/XX/XXXX with a date reported of XX/XX/XXXX but now you have it as XX/XX/XXXX on your online report with a date updated XX/XX/XXXX but XXXX  has a date of last payment of XX/XX/XXXX. How can your investigation change the updated date to XX/XX/XXXX when you would have updated it now. There are no disputed notes on this account as well which clearly indicates there has been no investigation done which is a violation for my FCRA rights when clearly there are inaccuracies on my report and you have failed to properly investigate or respond to me. 

I would like to see the verification that was sent to you from XXXX  about this investigation XXXX XXXX Sent a dispute on XX/XX/XXXX, XX/XX/XXXX follow up with no response, XX/XX/XXXX, XX/XX/XXXX put in a complaint with the CFPB # XXXX where you responded that you would investigate and sent another dispute on XX/XX/XXXX with the next being XX/XX/XXXX with no responses given from you and still now on XX/XX/XXXX do not have a response and check the items online and still nothing has been done The date of last payment On TransUnion shows XX/XX/XXXX but in the payment history it shows OK XX/XX/XXXX thru XX/XX/XXXX and as I have told you XXXX  shows XX/XX/XXXX. Still do not see any disputed notes on this account since bring this to your attention and also you have the date updated of XX/XX/XXXX which how can this account be updated on XX/XX/XXXX when the date do of last payment was done on XX/XX/XXXX on your report and the payment history not showing it was 30 days late until XX/XX/XXXX with a date closed of XX/XX/XXXX. 

This account is inaccurate and needs to be removed immediately BANKRUPTCY XXXX Sent a dispute on XX/XX/XXXX, XX/XX/XXXX follow up with no response, XX/XX/XXXX 60 days no response and another XX/XX/XXXX no response 90 days This account is still questionable with the Reference # XXXX on TransUnion with a file date of XX/XX/XXXX and XXXX  showing XXXX with a file date XX/XX/XXXX. I have also requested a report from XXXX and the information they provide me also has a different information than what TransUnion has which I am also disputing with them as well. XXXX  removed this account on XX/XX/XXXX but is still showing on my TransUnion and XXXX  reports. Again no information of their true investigation has been provided or the actual report that was provided to them from XXXX has been provided. They have a different address and different court on their file. So how is this information been investigated as correct. 


XXXX  XXXX Sent a dispute on XX/XX/XXXX, XX/XX/XXXX follow up with no response, XX/XX/XXXX 60 days no response and another XX/XX/XXXX no response 90 days This account does not belong to me and also has disputed it with XXXX which has not provided me with the proper documentation to show their right to owe this debt or a date of first delinquency, verified how they came up with this balance or any documentation showing I actually own this debt. XXXX  only provided me with a simple response with bill statements as described below : Statement with a due date XX/XX/XXXX with a balance {$1600.00} ( payment {$27.00} XX/XX/XXXX ) Statement with a due date XX/XX/XXXX balance {$2000.00} ( payment {$39.00} XX/XX/XXXX ) Statement with a due date XX/XX/XXXX balance {$2100.00} ( payment {$64.00} XX/XX/XXXX ) Statement with a due date XX/XX/XXXX balance {$2300.00} ( payment {$75.00} XX/XX/XXXX ) - missing statement with due dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Then jumps to Statement with a due date XX/XX/XXXX balance {$3000.00} Statement with a due date XX/XX/XXXX {$3100.00} You have failed to provide me with any response about this account 's validity and also XXXX  has failed to respond as well and asked you to remove this unverified account immediately. They have not provided me with the copy of the initial validation notice or even provided me with any documentation from the original creditor showing that it was sold to them and for what amount. 

There is no date of first delinquency and but have a date updated on XX/XX/XXXX on the report I just pulled from Transunion and continue to reage this debt causing my score to continue me harmed by should it as a new collection account. The date last active on my credit pulled on XXXX shows XX/XX/XXXX. This should reflect the FCRA complaint date also known as the date of first delinquency which you do not have on your reports or XXXX has provided to me which is a violation. Which should always be the date of the first 30 days late - the date of the first delinquency with the original creditor that led to the account being placed for collection or sold. 

Also all my address are inaccurate. I sent that in with the dispute on XX/XX/XXXX and still doesn't even have my correction address on file. None of the address on my account are correct. 

Your error keep causing my scores to drop every month and no one is looking at this issues at all

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