Consumer complaint received 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
You have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to countless violations such as no response for more than 60 days, missing required notice of dispute disclaimer, and negligently reporting false information after repeated correspondence. Your reckless false reporting is preventing me from receiving the financing I need to have a reliable means of transportation I would like these accounts removed from my credit Report. 

Correspondences have been sent via USPS Certified Mail. Each Correspondence listed below lists how the bureaus and creditors neglected to maintain an accurate consumer report with their violations. 
Credit report has been pulled every XXXX of the month. 
Credit Bureau Abbreviation : XXXX XXXX  XXXX XXXX  XXXX= Transunion *= Collector **=Credit reporting agencies XXXX **Sent bureaus investigation request dispute XX/XX/XXXX received XX/XX/XXXX - XXXX XXXX, T- continued reporting incorrect inaccurate info - XXXX- Didnt update Last reported. Leads me to believe no proper invest. was done. 
- XXXX- did not respond in 30 days **Sent bureaus re-investigation request dispute XX/XX/XXXX received XX/XX/XXXX - XXXX, XXXX, T- continue reporting inaccurate - XXXX- didnt update last reported, leads me to believe a proper invest. Wasnt done. 
- XXXX- no response **Sent bureaus method of verification request dispute XXXX received XXXX - XXXX, XXXX, T- continue reporting inaccurate - XXXX- Last reported not updated. Leads me to believe a proper invest. Was not done. 
- XXXX XXXX, T- did not respond - XXXX XXXX XXXX, T- did not provide method of verification - XXXX- Did not state account is disputed **Sent bureaus method of verification request second dispute XXXX - XXXX XXXX, T- continue reporting inaccurate - XXXX XXXX, - did not respond - XXXX- Last reported not updated. Leads me to believe a proper invest. Was not done. 
- XXXX XXXX, T- Did not provide Method of verification **Sent disputes XXXX Creditor - Ignoring my Investigation request - Willfully and recklessly reporting false info to the credit reporting agencies after being notified of the reporting error and failing to investigate/ correct error including : Mixed files, Inaccurate date of statuses or last activity. Inaccurate balance. Also inaccurate remarks ( status, late-payments, activity after close ) - Reporting a charged off account w/o reference to the date of status/ last activity.

- Withholding account data with intent to negatively effect consumers credit score ( credit limit, balance, account status ) CRA - Willfully and recklessly reporting false information after being notified of the error and failing to investigate or correct error.

- Failure to respond to disputes within 30 days ( 15 additional days if sent additional info ) - Failure to provide ( If requested after verification ) the method of verification. Including the real name, address, and phone number of furnisher within 15 days of my request. 
- Failing to notate that an item on your credit report is under dispute, after a creditor or debt collector has reported the dispute. 
- Failure to provide all relevant information ( documents proving my case ) to the furnisher, when reasonable means to do so are available.

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