Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate.

1. I am disputing this account for inaccurate information because you are reporting the balance higher than the high balance. The balance you are reporting is {$57000.00} while the high balance reports as {$55000.00} Now there is no way that the current balance could be higher than the high balance if the high balance is the highest the account has ever been. 
XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) 2. The creditor never sent me a post-repossession notice which was supposed to provide me with the amount due, where to pay, and where to get my vehicle back. I was told that I have no right to reinstate which is a violation of state law. 
XXXX XXXX Account XXXX : XXXX If you can not prove that this account is being reported accurately, then delete it XXXX. Remove this account for inaccurate reporting because you have failed to report this account every month. You have not reported this account since XX/XX/XXXX which is about a year now. The data furnisher is required to report this account every month or else it jeopardizes the integrity of the reporting and also shows that it is misleading and injurious to me XXXX Account Number : XXXX Please submit onto ACDV Form and please remove late payments under section 1681s ( 2 ) ( b ) 4. I am disputing this account for inaccurate information because you are reporting the date of the last activity incorrectly. You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX  Account Number : XXXX Please submit onto ACDV Form and please remove late payments under section 1681s ( 2 ) ( b ) 5. I am disputing this account for inaccurate information because you are reporting the date of the last activity incorrectly. You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX Account XXXX : XXXX Please submit onto XXXX Form and please remove late payments under section 1681s ( 2 ) ( b ) 6. Remove this account for inaccurate reporting because you reported the high balance incorrectly. 
You are reporting a high balance of {$7300.00} while XXXX is reporting {$6000.00} This can not be correct since you are getting the information from the same place to report this. 
XXXX Account XXXX : XXXX Please submit onto XXXX XXXX and please remove late payments under section 1681s ( 2 ) ( b ) 7. I am disputing this account for inaccurate information because you are reporting the date of the last payment incorrectly. 
You are reporting the date of last payment as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. If this isn't reporting correctly then this means the date of first delinquency is wrong as well as manipulating the statute of limitations XXXX XXXX  Account Number : XXXX Please submit onto ACDV Form and please remove late payments under section 1681s ( 2 ) ( b ) 8. Remove this account for inaccurate reporting because you have failed to report this account every month. You have not reported this account since XX/XX/XXXX which is about 2 years now. The data furnisher is required to report this account every month or else it jeopardizes the integrity of the reporting and also shows that it is misleading and injurious to me XXXX  Account Number : XXXX Please submit onto ACDV Form and please remove late payments under section 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.

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