Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hello and thank you for taking the time to read my complaint. This complaint is regarding Transunion. I will be submitting a complaint on XXXX and XXXX, respectively. On XX/XX/2021 I sent Transunion my first letter request the verification of several accounts I found upon checking my credit report. Below you will find screenshots of said letters. 
Upon comparing my Transunion report with XXXX and XXXX I was alarmed to see inconsistencies. That is the reason why I sent all three credit bureaus a letter to give them an opportunity to clarify if any mistakes had been made and to fix them following the proper steps. 
After a few days, I received the same response from all three credit bureaus respectively. All had verified and updated my information. However, when I checked my newly updated credit report the information was still inconsistent. 
Now, as far as I know, the same creditor is reporting the same information to the credit bureaus, right? All the information should be the same. All three credit bureaus should have the same high balance, same date of last activity, same balance, same everything. Why was it still different after they verified or in this case after Transunion verified it? 
On XX/XX/2021, I sent Transunion a letter stating I disagreed with their investigation and requesting they re-investigate as well as provide information about the individuals they verified the information with so I can follow up with them because that was within my rights according to the FCRA. I did not receive a response. 
On XX/XX/2021, I sent Transunion a letter with screenshots, comparing the information found on all three credit bureaus. I pointed out and submitted proof of the inaccuracies and requesting they deleted the items as they had not done their investigation adequately. My request was ignored even after submitting proof of the errors. 
I will be honest and say I was disappointed with the results especially knowing my rights were being violated and I couldn't fix it. On XX/XX/2021, I submitted a letter to Transunion again, requesting the investigation of the same accounts for the same errors. I got a letter saying they were verified and updated. no changes were made and the errors remained. 
That is when I opted to submit a complaint to you. I am one individual against an entire corporation, however, information is being reported inaccurately and this is negatively impacting my life so much and damaging my character. I feel hopeless because I presented the screenshots with the mistakes and my requests were ignored. 

I would like to add that letters to XXXX and XXXX were sent on the same day or similar to Transunion. I would also like to add that on my XXXX report several accounts continue to report every month as C/O even after it's been 180 days since they were charged off. This means a dead account has an active payment history, and each time C/O reports the statute of limitations is being illegally changed. Letters with screenshots of C/O being reported were sent to XXXX and were all ignored.

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