Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Dear Sir or XXXX of the Federal Trade Commission ( FTC ), Hello my name is XXXX XXXX XXXX XXXX and I am a XXXX XXXX XXXX 100 % XXXX American Veteran who has been disputing this whole year starting in XX/XX/XXXX and still am disputing with Trans Union till this day of XX/XX/XXXX but now I do not know what to do. I have filed many CFPB complaints ( see section below called CFPB complaints against Trans Union ) plus attachments called CFPB complaint against trans union dated XX/XX/XXXX XXXX XXXX and XXXX, cfpb complaint against trans union dated XX/XX/XXXX XXXX, cfpb complaint against trans union inquiry removals XX/XX/XXXX XXXX, letter to attach to cfpb complaint against trans union XX/XX/XXXX XXXX XXXX and XXXX, violations for inquiry removals by trans union dated XX/XX/XXXX smaller size.pdf and violations to send to cfpb against trans union on account removals dated XX/XX/XXXX send me again next smaller size.pdf for all my letters that were sent to Trans Union, all my investigation reports from Trans Union and all the credit reports that were sent from Trans Union, that I sent to the CFPB and filed a complaint against Trans Union but all the CFPB did was to forward all that information to Trans Union but nothing ever was done by Trans Union. In my last complaint dated XX/XX/XXXX I even specifically asked the CFPB to complete their own investigation in my disputes and against Trans Union directly for multiple violations that I, myself, has noticed through this past year. Now I also sent a complaint to the Missouri Attorney General XXXX XXXX please see the attachment called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXor a complete complaint against Trans Union for inquiries and accounts removals that were not being taken seriously by Trans Union. 

As I have said above I am at a point that I do not know what to do to get these inquiries and accounts removed permanently from my credit report because I have used factual based disputes using the facts directly from XXXX XXXX XXXX XXXX  which included copies of the investigation and credit reports from Trans Union plus my own notes written on them with diagrams pointing out and every one of the inaccuracies and violations that I have seen. Now I am no expert on the FCRA laws nor am I a lawyer or a credit repair company, I am just someone who is trying to improve their life and the lives of my children by doing their own credit sweep or credit repair but Trans Union acts like they are just ignoring my disputes or are just deploying every stall tactic they can at me and I know they are in the business of making money by the many accounts that are sub prime in all of the individuals they report on. But who are they that they decide on what to keep and what to delete? Are they not required to report to and face their mistakes? Therefore I am including an attachment called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX through XX/XX/XXXX XXXX so you can see and verify that I am not lying about the violations I have noted since XX/XX/XXXX up till today, XX/XX/XXXX plus I am attaching a file I created called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX which includes the following pages : XXXX. XXXX XXXX XXXX XXXX accounts dated XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX which shows all 11 accounts that I have been disputing all this time with every inaccuracy and violation I have seen highlighted in a different color. After the 3 different months there is a page that has all 3 dates side by side for a comparison plus below that chart there is the payment history of all 3 dates. 

2XXXX XXXX XXXX XXXX XXXX accounts dated XX/XX/XXXX pages XXXX XXXX which shows all XXXX accounts that I have been disputing all this time with every inaccuracy and violation I have seen highlighted in a different color. This was the odd date that had only the one date. 

XXXX. XXXX XXXX XXXX XXXX  accounts dated XX/XX/XXXX XX/XX/XXXX pages XXXX XXXX which shows all XXXX accounts that I have been disputing all this time with every inaccuracy and violation I have seen highlighted in a different color. After the 3 different months there is a page that has all 3 dates side by side for a comparison plus below that chart there is the payment history of all XXXX dates. 

4. XXXX XXXX XXXX XXXX accounts dated XX/XX/XXXX XX/XX/XXXX pages XXXX XXXX which shows all 11 accounts that I have been disputing all this time with every inaccuracy and violation I have seen highlighted in a different color. After the 3 different months there is a page that has all 3 dates side by side for a comparison plus below that chart there is the payment history of all 3 dates. 

5. Proof Trans Union does not do a reasonable investigation but rather depends on XXXX XXXX XXXX XXXX. 

XXXX. Proof that Trans Union does not update information/data when they say that they updated the information/data in the accounts. XXXX XXXX XXXX. 

7. Proof Trans Union maliciously and willfully attacks my credit score by keeping all the accounts that are sub prime by deleting only those that have no late payments. XXXX XXXX XXXX. 


In my dealings with Trans Union while trying to fix my own credit these are some of the violations, errors and mishaps I have noticed : Failing to enter the required notice of dispute in the comment section. 
Failing to complete or do an investigation by examining the date last reported date. 
Re-aging of some accounts by observing the date last active. 
Failure to update or delete ( I chose delete ) inaccurate, incomplete, erroneous and just outright wrong data even after I pointed it out to them multiple times. 
Deleting positive accounts while leaving negative ones in my credit report. ( They deleted 2 old XXXX XXXX accounts the were showing current and paid but left all the other ones that had late payments ). 
Missing new creditor or owner information on accounts that were transferred ( most of my old paid off student loans ). 
Verifying accounts as accurate when there was never any investigation done and no I am not including XXXX as a legitimate investigation method. 
Failing to provide method of verification and other documents when I asked for them to dispute with the original creditors. 
Failing to complete an investigation in the 30 day time frame. 
Having multiple charge-offs on a single account. There shouldnt be any activity after the first charge-off right? 
On my credit report there are some accounts that, seems to me, are under attack from the bureaus. I am referring to the credit cards where they dont put in any high credit value but rather state in the comment section XXXX is the limit. Is this a blatant and malicious attack on my credit score? 
There are multiple date last active dates on some of the accounts. 
There are many many inaccuracies in my reports ranging from 2 or 3 different open dates all the way to having one month say its paid on time and the very next month be 90 days late plus a whole lot more that has been brought up to Trans Union by me in my disputes. 
Reporting incorrect and inaccurate data / information even after I showed them all the errors in my numerous disputes. 
Failing to re-investigate an account ( not by using XXXX XXXX when asked while providing new and relevant information. I had asked for an independent investigation but received the same results verified as accurate but the date last reported didnt show any change from previous date last reported. 

Again I am no expert on FCRA laws so there may be many more as I have counted XXXX violations per account per month so if my math is correct then XXXX violations per account ( 11 accounts ) X ( times ) per month equals 88 violations per month. Now then 88 violations per month X ( times ) 10 months equals 880 violations for a grand total. Can you see why I am so frustrated and upset with Trans Union and why I do not know what more I can do? 

Now here are the accounts that I am disputing that I can see these violations and inaccuracies in each and every month after I disputed them : DEPTEDXXXX   XXXX {$3500.00} DEPTEDXXXX  XXXX {$6000.00} DEPTEDXXXX XXXX {$3100.00} DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX XXXX {$2000.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX  XXXX {$3500.00} DEPTEDXXXX  XXXX {$5500.00} DEPTEDXXXX  XXXX {$5200.00} DEPTEDXXXX  XXXX {$1500.00} DEPTEDXXXX XXXX {$2000.00} Date Opened : XX/XX/XXXX. 


Finally in conclusion I have asked for documentation on verifying the accuracy of these accounts, a signed contract proving that these accounts are mine, I have asked for their verification method process which includes the name, address and phone numbers of whom they ( Trans Union ) spoke to to verify the accuracy, completeness and how they verified these accounts as accurate, any and all documentation Trans Union had on these accounts and lastly I have asked many many times for an independent investigation on these accounts but not once did I ever receive any documentation back and I know there was never any reasonable investigation completed by examining the last reported date. All of this can be seen and proven by examining all my letters to Trans Union. I really want to say thank you for taking your valuable time to read my complaint against Trans Union and to say thank you for any and all help you can provide me for as I said I do not know what to do next.

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 non-monetary relief