Consumer complaint received 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX GA XXXX. Mailed to TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX. A letter disputed inaccurate accounts reporting on my credit report.This letter included supporting documents outlining the inaccurate accounts requesting that the be deleted do to this multiple inaccuracies. I understand as TransUnion does that any account that has one inaccuracy becomes invalid and must be deleted. I'm informed TransUnion of there apparent neglect and requested that the be deleted. But received no response from TransUnion. These has gone on long enough. I'm Outraged! I'm reporting this to other regulating agency in efforts to reach  a resolve effective immediately. I have rights and TransUnion knows that my rights have been enacted. I've included the letters that I've sent to TransUnion on XX/XX/XXXX in additions to the supporting documents such as my state Id, ssn card copy and documents showing these inaccuracies. I'm requesting these accounts be deleted effective immediately. I will be consulting the attorney general in my state to see what other resources that I may have available. These are the following accounts below. " Delete XXXX XXXX Now IT IS A CLOSED ACCOUNT THAT STILL HAS CURRENT ACTIVITY ON IT AS OF XX/XX/XXXX. Additionally, IT IS NOT REPORTING IF THIS ACCOUNT HAS BEEN SOLD TRANSFERRED. Delete this listing Immediately! 

1. Delete XXXX XXXX XXXX XXXX Now BECAUSE IT IS A CLOSED ACCOUNT THAT STILL HAS CURRENT ACTIVITY ON IT AS OF XX/XX/XXXX. Additionally, IT IS NOT REPORTING IF THIS ACCOUNT HAS BEEN SOLD TRANSFERRED. THERE IS NO HIGH BALANCE. IT HAS A PAST DUE BALANCE OF {$5200.00}. How can a close account have activity still reporting on it? Delete this listing Immediately! 
2. Delete XXXX XXXX XXXX XXXX XXXX BECAUSE IT REPORTING A DIFFERENT STATUS UPDATED Date on XX/XX/XXXX which is inconsistent with ( XXXX ) STATUS UPDATED Dates FOR XX/XX/XXXX. Additionally it has a different date than Transunion in the Balance ( Updated section ) It is A CLOSED ACCOUNT THAT STILL HAS CURRENT ACTIVITY ON IT AS OF XX/XX/XXXX. How could this be? Its not the same. Dont you get your information for the same company? Additionally, IT IS NOT REPORTING IF THIS CLOSED ACCOUNT HAS BEEN SOLD OR TRANSFERRED TO A COLLECTION AGENCY. Delete this listing Immediately! 
3. XXXX XXXX XXXX has a discrepancie in the Status Updated sections on ( XX/XX/XXXX ) which different date than they are reporting on XXXX  Status Update section is on ( XX/XX/XXXX ). Should this account be the same? How could this be? Delete this listing Immediately! 

4. I noticed that XXXX XXXX XXXX XXXX has a discrepancy in the Status Updated Section of the listing. XXXX  is reporting a different date of " XX/XX/XXXX '' in the Status Update section. However TransUnion is Reporting a Status Updated for XX/XX/XXXX. If this is the same account, reported by the same creditor how are these dates different? Additionally This account is closed. How could there still be current activity? Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please : Delete this listing Immediately! 

5. DELETE THIS LISTING 10 XXXX XXXX XXXX BECAUSE IT HAS BEEN RE AGED TO STAY ON MY ACCOUNT LONGER. OPEN DATE AS OF XX/XX/XXXX TO STATUS UPDATED ON XX/XX/XXXX. 

6. AD XXXX XXXX XXXX XXXX has a discrepancy in the account status of the listing reporting as " OPEN ''. However, XXXX and XXXX  are reporting that this same account is closed. Which is it? Delete this listing Immediately! 

7. XXXX XXXX XXXX XXXX XXXX XXXX has a discrepancy in the HIGH BALANCE section of this listing for {$17000.00}. However XXXX and XXXX is not report any high balance. Which could it be? Additionally, this is a closed account. Why does it still have current activity report on it? Delete this listing Immediately! 

8. XXXX XXXX XXXX XXXX XXXX has a discrepancy in the Account Name and Account Number Sections of this listing. XXXX is reporting same account and number under another name. XXXX XXXX XXXX XXXX. How can two collectorXXXX collect on the same debt? Is that not called Double Jeopardy? Delete this listing Immediately! 
9. XXXX XXXX XXXX is a Open Account that is reporting no Original balance XXXX XXXX/ reporting, but has a high balance reporting for {$3600.00}. How can you have a high balance but no Original balance? Delete this listing Immediately! 

10. Delete XXXX XXXX XXXX XXXX because it is an open account that is not reporting any monthly payment, past due balance and High balance. 
Delete this Inaccurate Listing Now! 

Because of your apparent neglect in assuring that my everything on my credit report is Accurate, Consistent, and Up To Date. Delete the following discrepancies immediately listed below and send me another credit 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 explanation