Consumer complaint received 2022-12-10
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: Their investigation did not fix an error on your report

Complaint:
I've recently disputed with TransUnion on several occasions for an account named XXXX XXXX XXXX and they've failed to investigate properly with the disputes I've been sending in to them. If they did investigate properly they would see that XXXX XXXX XXXX has continued to say this account was verified in which it hasn't been and continue to have inaccuracies time after time. These are violations that the CFPB are not pointing out to TransUnion and by law this account should have been taken off my account with TransUnion by now. I intend on suing TransUnion for defamation of character by not properly investigating the matter 's in which I keep disputing with them on dealing with XXXX XXXX XXXX. After XXXX XXXX XXXX sees this report and changes are not made legal actions will be taken against them as well because this is not my account and they continue to report this account on my credit profile. I don't have anything on my credit profile besides a secure credit card which is here to help me build credit. By keeping this account showing on my credit report as a charge off has hindered me from obtaining credit with lenders because of the inaccurate information showing on my credit report which indeed is not mines. I have a list of inaccuracies that have not been updated within 2 months of disputing. Also XXXX XXXX XXXX can't Keep saying they updated my account properly and they have not done so. I will not be settling out of court at this point and I'm asking for punitive damages and financial compensation if XXXX XXXX XXXX doesn't take this off my credit report as well as TransUnion. I would like to paid for every inaccuracy that hasn't been updated since XX/XX/2022 If this account is not taken off my credit profile. 

If my account is updated properly why was interest added on to a charged off account years after it was first charged off? 
I have proof showing the amount they say I owed before I disputed that account on XX/XX/2022 and also I have proof showing money added to to the balance after disputing with TransUnion. Interest can't be added to a charged off account if they didn't properly notify me in the contract in which I never signed because this is not my account. Also under the XXXX of lending XXXX they were to properly notify me of any balances on the account. Being that they didn't even have the correct address for me how would they even been able to notify me of any balances they say I owe. Furthermore that much interest isn't allowed under Georgia law after 2 months from XX/XX/2022 when I first disputed this account with TransUnion to the time it updated in XXXX of 2022. If XXXX XXXX XXXX claims it's not interest that was added to make the balance go up after 3 years then thats another violation for them not accurately reporting the correct info on my account with TransUnion after me disputing this balance time after time. So which one is it, did XXXX XXXX finance report inaccurate information to the credit bearueas month after month about my balance or they inaccurately charged me the wrong amount of interest from XXXX of 2022 to XX/XX/2022. If they've updated to my account correctly time after time with TransUnion then these inaccuracies would have been updated without me having to point them out. 


Another violation is how they continue to report a charge off every month in my payment history. Once an account is closed and charged off, it shouldn't show up every month in my payment history as a charge off. The date of last activity should have been the last payment made on the account by me. I have proof of this inaccuracy but every month I dispute with TransUnion, XXXX XXXX XXXX is telling TransUnion they've updated my account properly. If TransUnion would have thoroughly investigated and realized XXXX XXXX XXXX is not accurately reporting this account on my credit report this account would have been removed by now because time after time it's reporting inaccurately to my credit report. This is a violation of my consumer rights. 



Another violation is that XXXX XXXX XXXX is showing a address In which is different then the address in where I stayed at at the time they leased out that furniture. Ive spoken with several reps at XXXX XXXX XXXX also and when I ask the general question on do they allow customers to pick up furniture with their own trucks from their store when leasing items that are big as couches, their answer was no if it's being leased, they said they want to ensure the furniture to be delivered to the correct address. I have all of this documented as well. That tells me that the furniture was delivered to another address and I never received those items to begin with if I had an account with them. I've shown them proof of this address and they continue to allow XXXX XXXX XXXX report this account on my credit profile after all these violations and after all the times I've been disputing since XX/XX/2022. How does one continue to say they are accurately reporting correct to the credit bearueas about an account and every month I'm showing TransUnion a different inaccuracy on my credit report from XXXX XXXX XXXX? TransUnion is ignoring these inaccuracies every month that XXXX XXXX XXXX is reporting to them also. 

Something has to be done and I'm now holding the XXXX accountable as well for not making sure TransUnion is making sure XXXX XXXX XXXX is not violation my consumer rights by allowing them to report inaccurate information on my credit profile every month. This is defamation of character on XXXX XXXX XXXX part as well as TransUnion and soon it will be XXXX issue as well for not penalizing TransUnion for continuing to allow XXXX XXXX XXXX to report the wrong info on my credit profile every month after disputing and showing proof. Enclosed is proof showing my address at the time they say I had an account with XXXX XXXX XXXX, proof a balance was updated on a charge off account 3 years later with TransUnion, also proof that XXXX XXXX XXXX is showing in my payment history that it's a charge off every month basically making it seem to other creditor 's that this was a recent charge off which indeed distorts my correct score whenever I populate XXXX. 

This account should have been taken off my credit report long time ago after they continue to report incorrect info on my credit report. I've never done business or signed a contract with XXXX XXXX XXXX.

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