Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently wrote letters to all three credit bureaus XXXX, XXXX, and Transunion requesting an investigation on XXXX XXXX. And what a coincidence I received an response on XXXX XXXX that all credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the accounts and verified 100 % that the accounts listed below are accurate. So on XX/XX/XXXX I wrote three more letters requesting a method of verification from all three credit bureaus Certified mail. Per FCRA Act Section 611, gives me the right to request an explanation of the verification method used by the CRA. 

1.XXXX XXXX 2XXXX XXXXXXXX 3.XXXX XXXXXXXX On TransUnion received MOV Letter XXXX then emailed me an automated response email on XXXX of how their process works but not the method of verification on how did they verify these accounts are minesXXXX received letter XXXX and started there investigation on XXXX which everything came back verified with no method of verification. So thing with XXXX. 

How can they be completing a investigation when on the following account have major inaccuracies like 1XXXX XXXXXXXX XXXX - Inaccurate Date Opened : TransUnion reports the Date Opened as XX/XX/XXXX, while XXXX and XXXX report XX/XX/XXXX for the same field. The differing dates of account opening add to the discrepancies and inaccuracies in the reporting.Inaccurate Date Last Active : TransUnion reports the Date Last Active as XXXX, whereas XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX for the same field.The conflicting dates reported by different credit bureaus raise concerns about the accuracy and consistency of the information.There nothing displaying for the actual account type. Same with payment history. 

2XXXX XXXXTransUnion reports the Date Opened as XX/XX/XXXX, while XXXX and XXXX report XX/XX/XXXX for the same field. The differing dates of account opening add to the discrepancies and inaccuracies in the reporting.I requested debt validation letter they provided me with 20+ bank statements no validation .If account is charged off was is it still reporting an balance 3XXXXXXXX XXXX -account was removed with Transunion because it couldn't be verified. So what did you use to verify this account? Inaccurate Date Last Active :. Also under ( ) ( ) of the Fair Credit Reporting Act ( FCRA ) states that a consumer reporting agency shall not report " any account that reflects a charge-off, unless the report includes a notation that the consumer is responsible for the account. '' Therefore I have XXXX XXXXXXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, theses accounts have highly prevented my ability to obtain a good credit score because of the continued reporting of inaccurate balances or past due amounts with different information reporting across all three bureaus which is a violations of my FCRA ontop of me never receiving any 1099C in the mail from any of these accounts listed ( as requested ). And from my knowledge under FCAR when a charged-off account is reported to a credit reporting agency it should this is considered tax fraud. All three bureaus keep sending automated responses back to me when I know they have verified any of these accounts on my credit report because On XX/XX/XXXX I sent 3 more letters requesting method of verification.

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