Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Since XXXX, I have contacted TransUnion approximately 20 times through notarized, written correspondents and sent by certified mail to inform them of the more than 100 inaccurate pieces of information that they are furnishing on my credit report along with the violations of my rights.

In accordance to the FCRA & FDCPA TransUnion and creditors are violating my rights and are in VIOLATION of the following : Violating Consumer Protection Afforded by the FCRA : TransUnion has furnished information without my permission. I have not granted. Permission in writing for furnish any information. Violation : 15 USC1681 SECTION 604 A Section 2 states that a consumer reporting agency can not furnish an account without written instructions from consumer.

Violating Consumer Protection Afforded by the FCRA : Violating Rights to Privacy : I do not consent to the information that currently furnished on. My consumer report and demand for the removal of the information in question. Violation : 15 USC 1681 SECTION 602 A States that I have the right to privacy. 

Defamation, Willful Injury : TransUnion refuses to correct information. After being provided proof of inaccuracy. Violation : FCRA Section 623 XXXX XXXX Trans Union XXXX. US Court of Appeals for the XXXX Circuit Court case XXXX XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX ) Violating Consumer Protection Afforded by the FCRA : TransUnion has failed to respond to multiple written disputes within 30 days. Violation : FCRA Section 611 Part ( A ) ( 1 ) Violating Consumer Protection Under the FCRA : Transunion has failed to conduct a proper investigation and delete all inaccurate and unverifiable information. Violation 1 Violating Consumer Protection Under the FDCPA : TransUnion and creditors have failed to report all disputed debts as disputed on consumer report. Violation : FDCPA Section 807 ( 8 ) Violating Consumer Protection Under the FDCPA : TransUnion and creditors have failed and refused to validate debt but continues to furnish on consumer report. Violation : FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX. 

Defamation, financial injury : TransUnion and creditors are reporting my credit history inaccurately. Violation : US Court of Appeals XXXX XXXX, No XXXX, XXXX vs. XXXX XXXX Violating Consumer Protection Afforded by the FCRA : TransUnion has failed to report all disputed debts as disputed on consumer report. Violation : FCRA Section 623 Violating Consumer Protection Afforded by the FCRA : XXXX have Re-aged multiple accounts by reporting the date of the of the last activity instead of the date of the first delinquency. Violation : FCRA Section 605 ( c ) TransUnion is reporting and furnishing the following INACCURATE account information : ALL following details refer to 3 accounts that are displayed on my credit report as XXXX. 



XXXX : The following inaccurate account information is being furnished on my credit report. REMOVE /DELETE FROM CREDIT REPORT FOR FCRA NON-COMPLIANCE of inaccurate data being furnished on the consumer report. 

These accounts were deleted from XXXX XX/XX/XXXX as a result of inaccurate information ; however, remains on Transunion. 
1st date of delinquency is inaccurate and throws off the entire history of the ac count, different dates for last paid is being reported differently to the each bureau, inaccurate date last active, Reporting as Chargeoff/Collections. Can not report as. Both debt and income Past Due Amounts are. Being reported differently to to each credit bureau.

Different Charged off Amounts being reported to different bureaus.

Past Due Balance. Being reported on what is deemed a Charged Off account.

Past Due Amounts are. Being reported differently to to each credit bureau.

Inaccurate balances are being reported and request for documentation proving so inaccurate payment history, Unverified account and requesting original documents of signed contract TransUnion is reporting and furnishing the following INACCURATE account information : ALL following details refer to 11 accounts that are displayed on my credit report as US DEPT OF EDUCATION. 

US DEPT OF EDUCATION : The following inaccurate account information is being furnished on my credit report. REMOVE /DELETE FROM CREDIT REPORT FOR FCRA NON-COMPLIANCE of inaccurate data being furnished on the consumer report.

date of 1st delinquency is inaccurate and throws off the entire history of the ac count, a Past Due Balance is being reported even though this is a collections account : Violation Unverified account and requesting original documents of signed contract different dates for last paid is being reported differently to the each bureau, Open date reflects multiple inaccuracies ; multiple dates are reported as date open Unverified account and requesting original documents of signed contract Date last paid shows multiple dates on different bureaus inaccurate date last active, Inaccurate payment history Unverified account and requesting original documents of signed contract Account is reported as both a collections and a. Charge off Payment status is being reported differently across bureaus TransUnion is reporting and furnishing the following INACCURATE account information : ALL following details refer to 11 accounts that are displayed on my credit report as DEPT OF ED / XXXX DEPT OF ED / XXXX : The following inaccurate account information is being furnished on my credit report. REMOVE /DELETE FROM CREDIT REPORT FOR FCRA NON-COMPLIANCE of inaccurate data being furnished on the consumer report.

Account Status is transferred and should no longer be furnished on consumer report.

Account Status is transferred but states 120 days late 1st date of delinquency is inaccurate and throws off the entire history of the ac count, Date last paid shows multiple dates Different date last active ( different months and years ) is being reported Different dates of lats payment is being reported. 
Different date of last activity Unverified account and requesting original documents of signed contract TransUnion is reporting and furnishing the following INACCURATE account information : ALL following details refer to 1 account that is displayed on my credit report as XXXX XXXX XXXX XXXX : The following inaccurate account information is being furnished on my credit report. REMOVE /DELETE FROM CREDIT REPORT FOR FCRA NON-COMPLIANCE of inaccurate data being furnished on the consumer report.

Unverified account and requesting original documents of signed contract TransUnion is reporting and furnishing the following INACCURATE account information : ALL following details refer to 1 account that is displayed on my credit report as XXXX XXXX XXXX XXXX. :. The following inaccurate account information is being furnished on my credit report. REMOVE /DELETE LATE PAYMENTS FROM CREDIT REPORT FOR FCRA NON-COMPLIANCE of inaccurate data being furnished on the consumer report. 

Late payments are inaccurately being. Reported and are not consistent across all 3 bureaus Inaccurate payment history TransUnion is in reporting and furnishing the following INACCURATE account information : PERSONAL INFORMATION. :. The following inaccurate account information is being furnished on my credit report. REMOVE /DELETE EMPLOYER FROM CREDIT REPORT FOR FCRA NON-COMPLIANCE of inaccurate data being furnished on the consumer report.

Employers : REMOVE FROM CONSUMER REPORT EXPLANATION OF EVIDENCE : &. ATTEMPTS TO RESOLVE THESE MATTERS Provided below is the timeline of correspondence to TransUnion that detailed all the above information regarding inaccuracies that have been blatantly furnished on my. Credit report over a 2.5. year time period.

Each correspondence was. a typed or written document that was notarized and sent by certified mail to TransUnion.

The following explains all requests mailed as well as responses or lack thereof from TransUnion. The documents that I have provided to support my complaint demonstrates that timeline that is described below. 

I have provided the notarized written correspondence that I have sent to TransUnion along with their responses to such correspondents. 




XXXX : All following details refer to accounts that are displayed on my credit report as NAVIENT**** XX/XX/XXXX : I Requested validation of debt along with the deletion of all unverifiable. Accounts XX/XX/XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Terms ; Rating. 

XX/XX/XXXX : I Requested validation of debt for a second time-requesting original documentations. From the creditor with my signature along with deletion of unverifiable accounts XX/XX/XXXX : Transunion Responds and states that. We investigated the information you disputed and updated : Date Updated ; Past Due ; Terms ; Rating. 

XX/XX/XXXX : I Requested validation of debt for a third time-requesting original documentations. From the creditor with my signature along with deleting unverifiable accounts XXXX. XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Rating. 

XX/XX/XXXX : Transunion Responds and states that we received additional information about your dispute the investigation will be completed XX/XX/XXXX. However, no. response. 

XX/XX/XXXX : Through written correspondence, I informed Transunion. That there are different Charged OFF Amounts being reported to different bureaus. Request. For deletion due to reporting inacccuracies. 

No response XX/XX/XXXX : Through written correspondence, I informed Transunion for a second time. That there are different Charged Off Amounts being reported to different bureaus. Along with request for deletion. Due to reporting inaccuracies. 

XX/XX/XXXX : Transunion responds with : Dear XXXX XXXX XXXX, We understand that recently something on your credit report did not seem right to you. We take this matter seriously, and we want to make sure your TransUnion credit report is accurate. It's our commitment to you. ln the pages that follow you will see a full copy of your credit report. 

XX/XX/XXXX : XXXX responds stating that We are in receipt of the additional information regarding your current dispute ( s ). Due to this additional information, the time frame for completing the investigation has been extended. Your initial correspondence was received on XXXX XXXX and your additional information was received on XXXX, which allows TransUnion fifteen additional days. Therefore, your investigation witl be completed on or before XXXX. 

XX/XX/XXXX : Transunion. Responds and states that : We investigated the information you disputed and updated : Terms : Rating : Date closed : Payment Received : XXXX. XXXX : Through written correspondence, I informed Transunion That they are reporting a Past Due Balance on what is deemed a Charged Off account. This is a clear violation. Of the FCRA. Request for deletion due to reporting inaccuracies XXXX. XXXX : Through written correspondence, I informed Transunion That XXXX Due Amounts are. Being reported differently to to each credit bureau. 
This is a clear violation. Of the FCRA. Requested deletion for inaccurate reporting XX/XX/XXXX : Through written correspondence, I informed Transunion the the 1st date of delinquency is inaccurate and throws off the entire history of the ac count, inaccurate balance is being reported and I am asking for paperwork to prove current data being furnished and finally, inaccurate payment history along with deletion due to reporting inaccurate information. 




XXXX XXXX : All following details refer to accounts that are displayed on my credit report as XXXX XXXX XX/XX/XXXX : I Requested validation of debt and request deletion. Of unverified account XX/XX/XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Not specified. 

XX/XX/XXXX : I Requested validation of debt for a second time along with deletion due to unverified account XX/XX/XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Not specified. 

XX/XX/XXXX : I Requested validation of debt for a third time-requesting original documentations. From the creditor with my signature along with deletion due. To unverified account XX/XX/XXXX Transunion Responds and states that We investigated the information you disputed and updated : Not specified. 

XX/XX/XXXX : Transunion Responds and states that we received additional information about your dispute the investigation will be completed XX/XX/XXXX. However, no. response. 

XX/XX/XXXX : Through written correspondence, I informed Transunion that this is an unverified account and am requesting documentation. To prove that it is mine or delete due to unverifiable account and inaccurate reporting XXXX XXXX : All following details refer to accounts that are displayed on my credit report as XXXX XXXXXXXX XX/XX/XXXX : I sent a request for the removal of the inaccurate late payments that are being furnished on my credit report US DEPT OF EDUCATION : All following details refer to accounts that are displayed on my credit report as US DEPT OF EDUCATION -- '' * XX/XX/XXXX : I Requested validation of debt along with deletion of unverfiable account. 

XX/XX/XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Not specified. 

XX/XX/XXXX : I Requested validation of debt for a second time along with deletion of unverifiable account. 

XX/XX/XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Not specified. 

XX/XX/XXXX : I Requested validation of debt for a third time-requesting original documentations. From the creditor with my signature along with deletion of unverfiable account. 

XX/XX/XXXX : Transunion Responds and states that we received additional information about your dispute the investigation will be completed XX/XX/XXXX. However, no. response. 

No. Respnose! 

XX/XX/XXXX Written request to delete accounts due to furnishing inaccurate information : a Past Due Balance is being reported even though this is a collections account : Violation No response! 

XXXX. XXXX : XXXX Written request to delete accounts due to furnishing inaccurate information : a Past Due Balance is being reported even though this is a collections account : Violation XX/XX/XXXX : I sent a written correspondence to inform Transunion of the inaccurate information that is furnished on my credit report and requested that they remove such accounts : Inaccuracies discussed in letter include different dates last paid and open are being reflected, unverified account and need to provide original contracts with my signature, inaccurate balance owed, inaccurate 1st date of delinquency, payment history is inaccurate, along with deletion of unverifiable account.

DEPT OF ED / XXXX ****t : All following details refer to accounts that are displayed on my credit report as DEPT OF ED / XXXX XXXX XX/XX/XXXX : I Requested validation of debt along with deletion of unverifiable account. 


XX/XX/XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Rating. 

XX/XX/XXXX : I Requested validation of debt for a second time along with deletion of unverifiable account. 

XX/XX/XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Rating. And We investigated the information you disputed and updated : Not specified. 

XX/XX/XXXX : I Requested validation of debt for a third time-requesting original documentations. From the creditor with my signature along with deletion of unverifiable account. 

XX/XX/XXXX : Transunion Responds and states that ( 1 ) We investigated the information you disputed and updated : Remarks ; Rating. And ( 2 ) We investigated the information you disputed and the disputed information wa $ lERlFlED AS ACCURATE ; however, we updated : Past Due ; Terrns ; Remark $ ; Payrnent Received and ( 3 ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Remarks ; Rating XX/XX/XXXX : Transunion Responds and states that we received additional information about your dispute the investigation will be completed XX/XX/XXXX. However, no. response. 

XX/XX/XXXX : I informed XXXX that inaccurate info is reporting : dates last active reporting differently, date last paid shows multiple dates, inaccurate 1st date of delinquency, payment history, and multiple dates for date of last activity. I request deletion due to. Inaccuracies reporting.

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 non-monetary relief