Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXXXXXX XXXX # XXXX I am XXXX XXXX , and no one is representing me, not authorized to act on my behalf. 

XXXX  - is showing up on my reports, as inaccurate and then further, incomplete. 

This complaint is reliant upon rules and standards, of FCRA and FDCPA, and then supported by the technical specifications of Metro2. 

I have attached a few things - including, the original CFPB complaint with XXXX - then, their response, and then a before and after view of my tradeline on the date of the complaint - and then, a view of the reports since XXXX  confirmed that they have tried, to update the records in TransUnion. 

Any Failure is then Transunion 's responsibility to fix, as per law and then - even your data Furnisher - XXXX 

See attached.

Please either fix the Tradeline - or DELETE it. 


For this tradeline, there are issue with what is being reported - and, specifically based on XXXX reporting where it has become incomplete, and then reporting on where it existed in XXXX and the anchoring details that were wrong, are a bit worse now and since they tried to fix it and can not. 

All claims are based on Metro2 specs - in what can be sent. 

This dispute is based on the result - which requires a complete and accurate reporting of this tradeline, and the data being reported and then displayed, that supports what is being done. 


" High Balance : High balance of {$520.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit : Credit limit of {$300.00} from XX/XX/XXXX to XX/XX/XXXX '' - All History has been deleted, and this tradeline is incomplete 1. This Tradeline, and as a credit grantor - is incomplete. Pay History, as an example in wholly inaccurate. Lacking this detail, balance as of XX/XX/XXXX - and its no longer possible, to see where a balance was incurred, paid or unpaid - and then due. 

This is imperative to correspond with FCRA date - and right now, it shows nothing due ( date of last activity ). Any High balance reported, requires the corresponding history. 

Please update the tradeline, and all of the orphaned Pay History - to reflect where a balance was updated to > XXXX. The segment in Metro2 - is available to publish pay history > 2 years and as established as a Tradeline. It appears to have been deleted.

There are repetitive days with 120 past due, which should then be impossible as time goes by - and days past due continually accrue. 

There is neither a XXXX, CLS, CO or CO value. 

Please update the Pay History - and balances, and then ensure that the actual <late days> in pay history are accurate, as part of FCRA mandated reporting. Its literally impossible, to be 120 days late, in one month after another. ( XXXX etc ) Lacking any supporting data required, and then requested - I then dispute that there is a balance due. 

I never paid XXXX dollars in XXXX. TransUnion?????? XXXX  said the fixed it? This was apparent in their change file - see attached. 

Credit limit < XX/XX/XXXX is orphaned Maximum Delinquency is orphaned - and nowhere in the Pay/Rating/Balance History Date Closed - well, there is no anchor in Pay History/Rating./Balance to support its natural progression FCRA Date - please confirm where you derived the date from - as even XXXX says different, and then the anchored derivation fields can not support what you say - see attached Please either fix the Tradeline - or DELETE 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