Consumer complaint received 2021-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
In XX/XX/2021, I sent a dispute to TransUnion for a few accounts that were reporting on my credit file as charge-offs and collections and asked them to verify the accuracy, and update. In early XX/XX/2021, I received their investigation results advising me of the following : 1.XXXX-Retail for {$1700.00} charge-off account was updated ( date updated, last payment, original charge-off, past due, remarks, payment received ) 2.XXXX  XXXX for {$380.00} charge-off account was " updated '' ( date updated, remarks, rating, payment received ) 3.XXXX XXXX for {$620.00} charge-off account was " updated '' ( date updated, remarks, rating, payment received ) 4. XXXX Bank for {$1700.00} charge-off account was " verified and updated '' ( date updated, high balance, original creditor, rating, payment received ) 5. XXXX XXXX for {$1500.00} collection account was " verified and updated '' ( balance, date updated, past due, remarks ) All of this was still inaccurate, so I asked them to re-investigate in XX/XX/2021 all off the above accounts and remove them from my credit report. I received another investigation result from them in XX/XX/2021, this time their correspondence did not list the first account mentioned above ( Feb-Retail- which I am unsure who that is ) only the remaining four. The results were as follows : XXXX XXXX for {$380.00} charge-off was " updated '' ( rating ) XXXX XXXX for {$620.00} charge-off was " updated '' ( rating ) 4. XXXX XXXX  for {$1700.00} charge-off was " updated '' ( date updated, high balance, original creditor, rating ) 5. XXXX XXXX for {$1500.00} collection was " updated '' ( balance, date updated, past due ) I then sent a letter mid XX/XX/2021 asking TransUnion to provide the method of verification for which these accounts were verified ( according to the law, I am entitled to that ) : TransUnion sent a response ( mid XXXX ) saying if I have questions about the results, I need to contact the creditors directly AND they provided the addresses and phone numbers for them. 

Here are my issues : 1. I asked them to verify the accuracy of the 5 accounts. They advised 2 were verified ( XXXX and XXXX ). I asked for the method of verification and I was not provided that and I am entitled to that information according to the law. Since it was not provided, please remove these accounts. 

2. The remaining 3 accounts were not verified according to the investigation results provided, so why are they still on my report? Please them removed immediately Feb-Retail, and First XXXX XXXX  XXXX XXXX XXXX Bank XXXX 

3. The First Premier accounts and XXXX XXXX  account charge-offs reporting on my credit report are reporting inaccurately ; The rating of C/O is reporting every month & should not be, there is a Balance being reported on the charge-off & should not be. Please remove them because according to the law, reporting must be completely accurate. They have had enough time to research and make corrections. 

4. XXXX XXXX is a collection- its reporting as past due as a collection and that is inaccurate. I have never had an account with them, how can this be past due? - please remove from my credit report. Please remove them because according to the law, reporting must be completely accurate. They have had enough time to research and make corrections, but it's still reporting inaccurately. 

5. XXXX XXXX- this account never had the notice of dispute added to the remarks even as of my XX/XX/2021 report, and I have been disputing since XX/XX/2021. According to section 623 of the FCRA ( 15 U.S.C 1681 ) remove this from my file.

6. Feb-Retail - date last active is reporting inaccurately and is different among all 3 credit bureaus. This is impossible, please remove.

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