Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
( Also sending to Transunion as my dispute is still open with them, but my balance has been increased on my report ) On XX/XX/XXXX I submitted a complaint regarding XXXX XXXX XXXX DBA XXXX and their falsification of records. ( I had also filed a CFPB complaint with XXXX directly, I have assumed that XXXX is working off the same response unless they dispute that, the attached screenshot is the response from XXXX. ) on XX/XX/XXXX XXXX reported that my dispute was closed and the records were verified by the debt collector. 

XXXX claims that the reason they reported 3 separate balances in the month of XXXX is due to accrued interest, and due to the balances being reported on varying days of the month. However, as we all know, accrued interest can only go UP and never DOWN as time moves forward. Had XXXX checked the information I provided previously ( and will provide, once again, for their review and yours ) they would have noticed that the balances reported did not go UP consistently. 

XX/XX/XXXX Balance reported to XXXX ( additionally, the account was REMOVED from XXXX for this exact same dispute! ) {$8400.00} XX/XX/XXXX Balance reported to XXXX {$8400.00} XX/XX/XXXX Balance Reported to Transunion {$8400.00} There is no physical way that the difference in my reporting between XX/XX/XXXX and XX/XX/XXXX would cause the balance to DECREASE and later INCREASE again. Again, if we are accruing interest at a rate of 6 % it CAN NEVER GO DOWN AS TIME MOVES FORWARD. 

XXXX has not conducted the investigation on behalf of the consumer, but instead has allowed the debt collector to continue falsely reporting on my credit report. 

Now for the month of XXXX XX/XX/XXXX Transunion balance is {$8600.00} XX/XX/XXXX XXXX Balance is {$8400.00} I am not seeing the correlation between accrued interest being the cause for different numbers on different days. Nor am I seeing the interest accrued at a standard rate over the course of time due to the difference in accrual/time passed in these two months. 

-In XXXX the balance managed to decrease by {$3.00} within a one ( 1 ) day period. ( XXXX ) -Balance increased by {$5.00} within a five ( 5 ) day period to {$8400.00} ( XX/XX/XXXX ) XXXX balance increased by {$2.00} in eight ( 8 ) days. 

The accrual of interest in these figures is not CONSISTENT. 


Additionally, XXXX XXXX XXXX XXXX XXXX mentions cents not being added into balances being the cause of variation, which is completely irrelevant. They never once explain how they managed to get a balance to both XXXX and XXXX within the same week of XXXX as a result of the 6 % accrued interest. They simply said that is why the numbers are different, however as you can see that explanation is not valid if you simply read the numbers. They did not provide me with any PROOF of the numbers beyond their generic CFPB response which does not even apply to the DECREASE and following INCREASE in reported balances. 

This needs to be deleted from my credit report, they are not furnishing ACCURATE information or maintaining their records properly. 

I have included documents for review to verify the dates and figures mentioned, as well as that the item has been deleted from the credit bureau which finished the investigation. Transunion is still open.

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