Consumer complaint received 2020-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear TransUnion I send a certified letter on XXXX XXXX and made a complaint with cfpb.gov on XX/XX/XXXX with proof attached showing the accounts listed below are reporting inaccurate on my credit report and yet this matter still has not been resolved. So now I`m submitting a complaint again with cfpb.gov and ftc.gov/complaint because I`m keeping record of every complaint, so I can file a claim against you. I am asking for reinvestigation, according to Bureaus section 1681. In addition, you have violated section 623 because you refuse to correct the information after I provided proof of inaccuracy, which is defamation, willful injury. 

The reason for this complaint because you consistently violating the law by reporting inaccurate information without valid proof. Please see below I have listed each account in detail, explained the reason for inaccuracies, and enclosed valid proof showing my finding are valid. 

After reviewing my finding, please deleted theses accounts immediately. 

1. For Previous Address : XXXX XXXX XXXX  XXXX XXXX, XXXX, Tx, XXXX and XXXX XXXX XXXX XXXX, TX XXXX are invalid, please delete this information immediately. 

Employers : XXXX  XXXX  XXXXXXXX XXXX XXXX XXXX is invalid, please delete this information immediately. 

XXXX Account # XXXX XXXX  has already deleted this account because its was reporting inaccurate information ( proof enclosed ) Transunion- you are reporting date opened XXXX XXXX  reporting opened date as XX/XX/XXXX, this is inaccurate cause dates are different, delete per violation immediately Transunion-you are reporting payment status as current & XXXX   payment status as late 30 days. this is inaccurate cause payment status are different, delete per violation immediately Transunion-reporting date of last payment is XX/XX/XXXX & XXXX  is reporting date of last payment is this is inaccurate cause date of last payment are different, delete per violation immediately Transunion-reporting in two-year payment history stating XX/XX/XXXX, the account was 30 days behind and for XX/XX/XXXX no information reported, but the date of last payment was XX/XX/XXXX. XXXX  is reporting in two-year payment history stating XX/XX/XXXX, the account was 30 days behind and for XX/XX/XXXX no information reported, but according to date of last payment was XX/XX/XXXX. How is this possible when no information is reported for XX/XX/XXXX, which makes this reporting inaccurate, delete per violation immediately. 


XXXX  account # XXXX XXXX  reporting account type/detail as unknown and Transunion and XXXX  reporting account type detail as credit card, this inaccurate information, delete this account. 

XXXX  reporting high credit as XXXX, XXXX  reporting high credit as XXXX, and Transunion reporting high credit as XXXX, per violation credit agencies can not report different balances, delete pre violation. 

XXXX reporting credit limit as XXXX, XXXX  reporting credit limit as XXXX and TransUnion reporting credit limit as XXXX, This is inaccurate because there can not be a XXXX-credit limit with one agency and credit limit with another, this inaccurate information, delete this account. 

XXXX  date of last active XX/XX/XXXX, XXXX  date of last active XX/XX/XXXX, and Transunion date of last active XX/XX/XXXX, theses dates are about 1 year apart which makes this account inaccurate, delete this account. 

Dates of last payments between all 3 credit agencies are about 1 year apart, per violation delete this account. delete this account per violation and failed to investigate In addition, date of last payment states XX/XX/XXXX, which is 7 years and 6 months to date, which this account has past the 7-year reporting and two-year payment was stating CO/ information is unavailable. delete this account per violation. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 explanation