Consumer complaint received 2021-01-21
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:
Chapter XXXX Bankruptcy This account was disputed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX On XX/XX/XXXX I disputed a Bankruptcy on my account that is showing inaccurate information and asked TransUnion to provide me with this information. They have yet to respond to my letters dated XX/XX/XXXX and also XX/XX/XXXX. XXXX responded saying it was thru XXXX XXXX and also checked on their website on where this information will be coming from since they never responded and sent a request to XXXX XXXX for my file to investigate myself. I have received two notices from XXXX XXXX stating they have no file in my name so how are they getting this information? So I have sent them another letter dated XX/XX/XXXX and still no response. 

This public record information is inaccurate and unverifiable. Reference # TransUnion shows XXXX, XXXX XXXX and XXXX shows XXXX. TransUnion shows Court as US Bankruptcy Court, XXXX US BKPT CT FL XXXX XXXX, and XXXX  XXXX. 

XXXX {$1500.00} This account was disputed XX/XX/XXXX, XXXX, XX/XX/XXXX and again XX/XX/XXXX This account is being reported as a charge off with the date of last payment of XX/XX/XXXX but the payment history shows OK XX/XX/XXXX thru XX/XX/XXXX and have also reached out to XXXX with no response. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX {$790.00} This account was disputed XX/XX/XXXX, XXXX, XX/XX/XXXX and again XX/XX/XXXX XXXX DISPUTE XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account Type inaccurate Shows open but comments shows its in collection - please delete this account for inaccurate reporting Date Last Active : TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX This account has obviously been reaged & this account is incomplete and unverifiable with your verification response missing the date of first delinquency which is a violation not supplying the FCRA compliance date. Also have asked you to provide me with the individual you verified this information with on XX/XX/XXXX and still have not gotten a response but an automated response letter with an date of first delinquency XXXX.XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$160.00} ( XXXX XXXX ) XXXX.XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$160.00} ( XXXX XXXX ) These accounts have been disputed XX/XX/XXXX, XXXX, XX/XX/XXXX and again XX/XX/XXXX This account is duplicated and showing on my credit report 2 times with the same information. This is a clear violation and needs to be removed immediately. XXXX has already removed these items from my report but still showing on my TransUnion reports. They sent a verification and shows clearly that these accounts are inaccurate and showing with the same information twice

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