Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have opened up multiple disputes in the past to get information on my credit report verified and updated to 100 % completeness and accuracy but there is still inaccuracies and incompleteness being reported on all of my credit reports the following are previous disputes opened on XXXX -Report Number XXXX Date Generated XX/XX/XXXX -Account Name : XXXX ( UPDATED ) -Account Name : XXXX XXXX XXXX XXXX ( PROCESSED ) -Report Number XXXX Date Generated XX/XX/XXXX -Account Name : XXXX XXXX XXXX XXXX ( REMAINS ) -Report Number XXXX Date Generated XXXX XXXX, XXXX -Account Name : XXXX ( UPDATED ) -Account Name : XXXX XXXX XXXX XXXX ( REMAINS ) XXXX Name : XXXX XXXX XXXX  ( PROCESSED ) -Report Number XXXX Date Generated XX/XX/XXXX -Account Name : XXXX ( VERIFIED AND UPDATED ) -Account Name : XXXX XXXX XXXX ( PROCESSED ) -Account Name : XXXX XXXX XXXX XXXX ( REMAINS ) -Report Number XXXX Date Generated XX/XX/XXXX -Account Name : XXXX XXXX XXXX ( PROCESSED ) -Report Number XXXX Date Generated XX/XX/XXXX -Account Name : XXXX ( VERIFIED AND UPDATED ) -Account Name : XXXX XXXX XXXX ( PROCESSED ) -Account Name : XXXX XXXX XXXX XXXX ( REMAINS ) The following are disputes submitted to the CFPB -Complaint ID : XXXX XXXX XX/XX/XXXX ( CLOSED ) -Complaint ID : XXXX XXXX XX/XX/XXXX ( CLOSED ) -Complaint ID : XXXX TRANSUNION XX/XX/XXXX ( CLOSED ) -Complaint ID : XXXX TRANSUNION XX/XX/XXXX ( XXXX ) -Complaint ID : XXXX XXXX XX/XX/XXXX XXXX CLOSED ) -Complaint ID : XXXX XXXX XX/XX/XXXX ( CLOSED ) According to consumer law 15 U.S Code 1681i - Procedure in case of disputed accuracy account need to be updated to 100 % accuracy and 100 % completeness after a RE-INVESTIGATION ( the second dispute ) or MUST BE DELETED FROM THE CONSUMER CREDIT REPORT IF THEY CAN NOT BE UPDATED TO 100 % ACCURACY AND COMPLETENESS The following accounts are still being reported inaccurately and incomplete -ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX -ACCOUNT NAME : XXXX XXXX XXXX TRANSUNION -Why are the ACCOUNT NAMES being reported differently? 
-ACCOUNT NUMBER : XXXX XXXX XXXX NUMBER : XXXX TRANSUNION -Why are the ACCOUNT NUMBERS being reported differently? 
-OPENING DATE : XX/XX/XXXX XXXX -OPENING DATE : XX/XX/XXXX TRANSUNION -LAST PAYMENT MADE : XX/XX/XXXX TRANSUNION -How can there be a payment made BEFORE the alleged opening date on the TRANSUNION report? 
-Why does XXXX have a different OPENING DATE then TRANSUNION XXXX 
-Why does TRANSUNIONS not have a PAYMENT HISTORY available? 
-Why is the PAYMENT HISTORY on XXXX only from XX/XX/XXXX to XX/XX/XXXX? 
-Where is the previous PAYMENT HISTORY on XXXX XXXX the alleged OPENING DATE XX/XX/XXXX to XX/XX/XXXX? 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Why XXXX XXXX different address being reported for the contact info? 
-ACCOUNT TYPE : Collection XXXX XXXX TYPE : Open Account TRANSUNION -Why is this account listed as a collection on XXXX but listed XXXX open on TRANSUNION? 
-THIS ACCOUNT WAS NOT UPDATED TO 100 % ACCURACY AND 100 % COMPLETENESS IN A TIMELY MANNER : CONSUMER LAW STATES THIS ACCOUNT MUST BE DELETED FROM MY CREDIT REPORTS -ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX -ACCOUNT NAME : XXXX XXXX TRANSUNION -ACCOUNT NAME XXXX XXXX XXXX XXXX -Why is the ACCOUNT NAME different on XXXX? 
-ACCOUNT NUMBER : XXXX XXXX XXXX -ACCOUNT NUMBER : XXXX TRANSUNION -ACCOUNT NUMBER XXXX XXXX XXXX -Why are the account numbers different on each report? 
-ACCOUNT TYPE : Secured loan XXXX XXXXACCOUNT TYPE : Revolving Account TRANSUNION -ACCOUNT TYPE : Revolving XXXX -Why is the ACCOUNT TYPE different on XXXX? 
-LOAN TYPE : Secured XXXX XXXX TYPE : CHARGE ACCOUNT TRANSUNION -Why is the LOAN TYPE different between XXXX and TRANSUNION XXXX 
-PAYMENT HISTORY : XXXX is listed as CURRENT/TERMS MET XXXX -PAYMENT HISTORY : XXXX is listed as OK TRANSUNION -PAYMENT HISTORY : XXXX is listed PAID ON TIME XXXX -Why is the PAYMENT HISTORY different on all XXXX reports ? 
-THIS ACCOUNT WAS NOT UPDATED TO 100 % ACCURACY AND 100 % COMPLETENESS IN A TIMELY MANNER : CONSUMER LAW STATES THIS ACCOUNT MUST BE DELETED FROM MY CREDIT REPORTS -ACCOUNT NAME : XXXX XXXX -ACCOUNT NAME : XXXX XXXX TRANSUNION XXXXACCOUNT NAME : XXXX XXXX XXXX XXXXWhy is the account name different? 
-PAYMENT HISTORY : XXXX XXXX -PAYMENT HISTORY XXXX XXXX TRANSUNION -PAYMENT HISTORY : XXXX XXXX XXXX is the payment history different? 
-CONTACT INFO : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX -CONTACT INFO : XXXX XXXX XXXX XXXX XXXX, TX XXXX TRANSUNION -CONTACT INFO : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXWhy is the CONTACT INFO different? 
-THIS ACCOUNT WAS NOT UPDATED TO 100 % ACCURACY AND 100 % COMPLETENESS IN A TIMELY MANNER : CONSUMER LAW STATES THIS ACCOUNT MUST BE DELETED FROM MY CREDIT REPORTS

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