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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX Original Creditor : XXXXXX/XX/XXXX XXXX XXXX XXXX {$660.00} 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 and another letter sent to them on XX/XX/XXXX They have not responded to any of my disputes and since have been over the 30 days to investigation the information and has been 129 days now. In my disputes I sent it certified with a copy of My current drivers license and proof of ownership of the home that is stated on my license as verification. 

This account is questionable showing a High credit of {$660.00} with a balance of {$660.00}. Also appear to have a duplicated account with the same information but different open dates and account number. One being account # XXXX with opened date of XX/XX/XXXX and the other being # XXXX with an open date of XX/XX/XXXX. There is no date of first delinquency being reported on either of these accounts or any response has been given from Transunion. Date of the last activity keeps re-aging which is a violation and should reflect the correct date of delinquency which you have failed to provide the correct date and re aging the account continues to put more damage on my credit report. 

This is a duplicate account that is inaccurate and needs to be deleted immediately XXXX XXXX XXXX Original Creditor : XXXX XXXX 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 and another letter sent to them on XX/XX/XXXX They have not responded to any of my disputes and since have been over the 30 days to investigation the information and has been 129 days now. In my disputes I sent it certified with a copy of My current drivers license and proof of ownership of the home that is stated on my license as verification. 

I have disputed this account with TransUnion and also sent notice to XXXX Directly Dispute and have gotten no response and even filed a complaint where they stated they did respond which is completely false and provided no attachments of proof. In the response they stated this account has a service date of XX/XX/XXXX which is not the date last active that you are reporting and addressed this to the XXXX where they stated they are required to update the information which is clearly a violation and trying to re age this debt which is long past the Statue of Limitation. 

Again there has been no response from either XXXX or TransUnion to provide me with any real information on this account and why a debt continues to reage on my reports with no information on a real date of first delinquency being reported. 

This account is inaccurate and needs to be deleted immediately XXXX XXXX XXXX Original Creditor : XXXXXX/XX/XXXXXXXX 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 and another letter sent to them on XX/XX/XXXX They have not responded to any of my disputes and since have been over the 30 days to investigation the information and has been 129 days now. In my disputes I sent it certified with a copy of My current drivers license and proof of ownership of the home that is stated on my license as verification. 

When this account was being reported on my reports on XX/XX/XXXX I saw a balance of {$830.00} but now when I look at my report it shows {$830.00}. No information has been provided to me on this account. TransUnion does not have a date of first delinquency being reported and this account has been re aged every month causing more harm to my credit scores. Date of Last activity shows XX/XX/XXXX on TransUnion but XX/XX/XXXX shows XX/XX/XXXX. 

This account is inaccurate and needs to be deleted immediately XXXX XXXX XXXX Original Creditor XX/XX/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 and another letter sent to them on XX/XX/XXXX They have not responded to any of my disputes and since have been over the 30 days to investigation the information and has been 129 days now. In my disputes I sent it certified with a copy of My current drivers license and proof of ownership of the home that is stated on my license as verification No information has been provided to me on this account since my dispute started on XX/XX/XXXX. TransUnion does not have a date of first delinquency being reported and this account has been re aged every month causing more harm to my credit scores. This account is inaccurate and needs to be deleted immediately XXXX XXXX XXXX {$700.00} Sent in a dispute on XX/XX/XXXX follow up on XX/XX/XXXX and one on XX/XX/XXXX. They have not responded to any of my disputes and since have been over the 30 days to investigate the information and have been 104 days now. In my disputes I sent it certified with a copy of My current drivers license and proof of ownership of the home that is stated on my license as verification. 

This account has many errorses items being reported. Shows a date closed of XX/XX/XXXX but the payment history shows 60 days late on XX/XX/XXXX and Okay XX/XX/XXXX and being charged off on XX/XX/XXXX. Date of the last payment shows XX/XX/XXXX but XX/XX/XXXX the payment history shows ok and XX/XX/XXXX shows Okay. There is no date of first delinquency being reported and the payment history shows 120XX/XX/XXXX120 XX/XX/XXXX and 120 Days late XX/XX/XXXX. This account is completely inaccurate on many levels and needs to be deleted immediately. 

XX/XX/XXXXXXXX Inquiry Sent in a dispute on XX/XX/XXXX follow up on XX/XX/XXXX and XXXX on XX/XX/XXXX. They have not responded to any of my disputes and since have been over the 30 days to investigate the information and have been 104 days now. In my disputes I sent it certified with a copy of My current drivers license and proof of ownership of the home that is stated on my license as verification. 

I did not authorize this inquiry and have no account with XXXX XXXX which is dated XX/XX/XXXX and have asked TransUnion to remove this from my account with no response. 

XXXX XXXX I did not authorize this inquiry and have no account with XX/XX/XXXX which is dated XX/XX/XXXX and have asked TransUnion to remove this from my account with no response.

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