Consumer complaint received 2017-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Due to the many changes and inaccuracies that are constantly being reported onto my credit report after a supposedly " investigation '' Transunion is not complying with the FCRA. I have filed several disputes to resolve this issue and yet nothing has been done. Transunion sent to myself what was supposed to be a updated/corrected credit report dated XX/XX/XXXX File # XXXX from my last dispute. This credit report has several errors on it once again. Transunion is reporting that my 2 XXXX accounts that were TRANSFERRED/SOLD on XX/XX/XXXX to XXXX XXXX XXXX XXXX has a CURRENT PAY STATUS of 120 DAYS PAST DUE DATE. These 2 TRANSFERRED/SOLD XXXX accounts has a {$0.00} BALANCE. Transunion how are you reporting on a TRANSFERRED/SOLD account with a {$0.00} BALANCE AFTER the date it was sold on XX/XX/XXXX to have a CURRENT PAY STATUS of 120 DAYS PAST THE DUE DATE? This is inaccurate and this is a violation of my rights. Yes I do know and understand that my PAST PAYMENT HISTORY section would still reflect those payments that may have been delinquent up until the dates these accounts were sold. FCRA states you are to stop reporting payment info on an account after it is sold. Transunion is still reporting as if my TRANSFERRED/SOLD with a {$0.00} balance account has a CURRENT PAY STATUS of 120 days past due date. I REQUEST that Transunion update and correctly report my PAY STATUS as TRANSFERRED/SOLD instead of only trying to include that it was TRANSFERRED/SOLD into the REMARK SECTION. The info that is being reported incorrectly by Transunion is showing on my FICO credit reports as CURRENT STATUS OF 120 days LATE instead of it stating that it has been TRANSFERRED/SOLD and It is also showing that my XXXX XXXX XXXX XXXX accounts are reporting as LATE which should show as PAID. This tells that that Transunion is reporting what they want to report and what instead of what is right. Transunion you are also reporting under the payment history that my XXXX XXXX XXXX XXXX accounts were in COLLECTION during the months XX/XX/XXXX through XX/XX/XXXX. XXXX XXXX XXXX XXXX did not have these accounts during those dates. XXXX TRANSFERRED/SOLD those accounts to XXXX XXXX XXXX XXXX on XX/XX/XXXX. I am requesting that you update and correct my payment history for my PAID XXXX XXXX XXXX XXXX accounts for those months that I stated earlier. I repeat XXXX XXXX XXXX XXXX DID NOT have those accounts until XX/XX/XXXX. So there should not be any payment history anytime before that under XXXX XXXX XXXX XXXX payment history. Once again you are violating my rights. My Fico scores are not accurate due to the inaccuracies that is being reporting by Transunion. I HAVE ATTACHED THE CREDIT REPORT FROM TRANSUNION SHOWING THE INACCURACIES AND I HAVE ATTCHED COPIES FROM MY FICO CREDIT REPORT. Transunion seems to think that they do not have to comply with the FCRA and is toying with the CFPB authority by stating that they will complete and investigation but instead is not doing anything at all but causing more and more problems for myself.

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