Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my second complaint against Transunion & XXXX  about an ongoing existing issue with an account their companies are reporting on my credit report. The account in question is XXXX XXXX, account number XXXX. I am frustrated and exhausted from writing to these 2 consumer reporting agencies about conducting an investigation into this inaccurate and incomplete account. In my last communication, these companies advised me that after they completed their investigation, XXXX has certified the information is correct. These companies are willfully being noncompliant with following the FCRA law that was put in place to allow fair, complete, and accurate reporting. Subsection 611 in the Federal Credit Report Act, which is the procedure in case of disputed accuracy, states that if the completeness or accuracy of any item of information contained in my file is disputed and is directly conveyed to the consumer reporting agency, the consumer reporting agency should investigate and record the current status of that information. If that information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. Transunion and XXXX  are not conducting an investigation at all, they are using their electronic system which is automatically verifying this account as accurate WHEN IT IS NOT. If a human is conducting an investigation, they can clearly see this account is incomplete, inaccurate, and inconsistent. Transunion is not reporting a " Date of Last Payment '' which means XXXX certified that " no payment has been ever made on this account '' which is NOT TRUE! I have advised Transunion and XXXX about this and neither one has tried to look into this incomplete reporting. Additionally, when I reviewed my XXXX  report, there is a " Date of Last Payment '' reporting and XXXX  stated that they have also certified that XXXX verified this information. Why is it that XXXX would report to XXXX  and don't report to Transunion? Furthermore, Transunion is reporting that the " Date of Last Activity '' on this account in XX/XX/2018, but XXXX  is reporting the " Date of Last Activity '' in XX/XX/2018. Again, why is XXXX reporting inconsistent information to 2 different consumer reporting agencies? Lastly, Transunion is reporting a " Closed Date '' and XXXX  is not reporting a " Closed Date '' for the same account. I can go on and on about the plethora of inaccurate information on this account but as I mentioned above, I'm exhausted. My rights are being willfully violated and I'm demanding that these companies FOLLOW THE LAW and delete this information immediately. In conclusion, if these consumer agencies are conducting an investigation and XXXX is certifying the results why haven't the " Date Reported '' changed on my credit report. The " Date Reported '' is the date that XXXX reports information about this account. Transunion is reporting that the last time XXXX reported anything on this account was in XXXX of 2018, which happens to be the same date the account was closed. Again, it's clear that XXXX has stopped reporting information and has not updated or corrected anything on this account. It's even more clear that neither one of these companies is conducting an investigation because they aren't updating the account with a description that this account is being disputed. My next step is a lawsuit against Transunion/XXXX XXXX XXXX and XXXX/XXXX XXXX for FCRA violation of Sec. 611 ( a ) ( 1 ) ( A ). Transunion nor XXXX  doesn't have reasonable grounds to state my dispute is frivolous or irrelevant because I clearly pointed out inaccuracies and incompleteness of this account. XXXX  was NOT named in this complaint because they followed the LAW and deleted this account because the information was indeed inaccurate and XXXX couldn't verify it.

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