Consumer complaint received 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX I sent a dispute to TransUnion on XX/XX/XXXX and did not get a response so I sent a follow up XX/XX/XXXX. They sent a verification after 64 days saying the account was changed with a date update and rating. The date they updated it to was XX/XX/XXXX but still appears the same with inaccurate information being reported. 

Date closed shows XX/XX/XXXX but the accounts show 90 days in the account history. Date of last payment XX/XX/XXXX but in the account history it shows XX/XX/XXXX XX/XX/XXXX and ok XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX shows 120 days late and XX/XX/XXXX XX/XX/XXXX. Date of last activity shows XX/XX/XXXX but was on a 90 days on that date and being closed as well but doesnt shows charged off until XX/XX/XXXX with the first 30 days being late on the report on XX/XX/XXXX with the date of last payment showing XX/XX/XXXX. 

None of the information makes any sense and how they can state it is verified as accurate with so many discrepancies XXXX XXXX I sent a dispute to TransUnion on XX/XX/XXXX and did not get a response so I sent a follow up XX/XX/XXXX. They sent a verification after 64 days saying the account was verified with a date update of XX/XX/XXXX payment received and rating still the same. The account is still inaccurate. 

Date closed shows XX/XX/XXXX but the accounts show 60 days in the account history. Date of last payment XX/XX/XXXX with a {$0.00} payment but in the account history it shows XX/XX/XXXX XX/XX/XXXX and ok XX/XX/XXXX. With the account being XX/XX/XXXX XX/XX/XXXX. Date of last activity shows XX/XX/XXXX but was on a 60 days on that date and being closed as well but doesnt show charged off until XX/XX/XXXX with the first 30 days being late on the report on XX/XX/XXXX with the date of last payment showing XX/XX/XXXX. 

None of the information makes any sense and how they can state it is verified as accurate with so many discrepancies DEPTEDXX/XX/XXXX High balance {$3500.00} DEPTEDXXXX High Balance {$5900.00} I sent a dispute to TransUnion on XX/XX/XXXX and did not get a response so I sent a follow up XX/XX/XXXX. They have not responded to any of my disputes with these accounts about the inaccuracy on the payment history and sent another letter on XX/XX/XXXX. 

These accounts have the same exact date, open date and payments history with different High balances. Causing duplicate negative remarks. 

This account is still inaccurate since my initial dispute on XX/XX/XXXX with no response. This payment history is still showing 90 days late 8 times with no verification of the payment history. This information is inaccurate and would like you to please remove this inaccurate account or update all the late payments being reported on this account immediately. 

I have attached copies of the letters I have sent, their response and how it appears on my credit report

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