Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Compliant with Consumer Financial Protection Bureau ( CFPB ) about Transunion for XXXX XXXX XXXX RE : Incorrectly, Inaccurate, Incomplete and Unauthorized Information on Credit File XX/XX/XXXX Dear Consumer Financial Protection Bureau ( CFPB ), This is my second time contacting Transunion in writing regarding the Incorrectly, Inaccurate, Incomplete and Unauthorized Information on my Credit File. The first letter was mailed on XX/XX/XXXX and a second letter was mailed on XX/XX/XXXX. I recently conducted a review of my credit report, and I noticed that Transunion showed three ( 3 ) wrong addresses, My place of employment reported incorrectly, two ( 2 ) inaccurate and incomplete installment credit accounts. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly. 

( CFPB, I submitted a written request on XX/XX/XXXX and XX/XX/XXXX for Transunion to remove the wrong addresses off my credit report ) Wrong Addresses Reported : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX GA XXXX My Current Employer is : XXXX XXXX XXXX ( since XXXX ) ( CFPB, I submitted a copy of my royalty / payroll check to reflect my place of current employment on XX/XX/XXXX and XX/XX/XXXX ) ( CFPB, I submitted a written request on XX/XX/XXXX and XX/XX/XXXX to remove account 7 and 8 off my credit file, all information is inaccurate and incomplete ) I also supplied them a copy of my credit report with all the inaccurate and incomplete information being reported on my credit file. 
Account 7 : XXXX  Account Holder : XXXX Account Type : Installment Account Condition : Indeterminate Date Opened : XX/XX/XXXX High Balance : {$4500.00} Account Balance : {$0.00} Last Reported : XX/XX/XXXX Remarks : Transferred To Another Lender Account 8 : XXXX  ( look like a duplicated account, see account 7 ) Account Holder : XXXX Account Type : Installment Account Condition : Indeterminate Date Opened : XX/XX/XXXX High Balance : {$4000.00} Account Balance : {$0.00} Last Reported : XX/XX/XXXX Remarks : Transferred To Another Lender Account 7 & 8 is inaccurate and incomplete because the account number is inaccurate or incomplete. Errors that have occurred are as followed ( 1 ) Incorrect balance, ( 2 ) Missing information, ( 3 ) Status and other fields left blank, ( 4 ) Status incorrect ( 5 ) Account number are all inaccurate : Account 1, 2, 3, and 4 include Xs instead of the full number ( this is a BIG issue we will discuss ) ( 6 ) Account type inaccurate, ( 7 ) Invalid furnisher ( 8 ) Date of last update incorrect, ( 9 ) Date reported inaccurate ( 10 ) this should be justifiable deleted According to FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. 


I enclosed a copy of the letter that was sent on XX/XX/XXXX and XX/XX/XXXX, it was the same letter I just changed the date on.

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