Consumer complaint received 2021-05-19
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 information incorrect

Complaint:
I am beyond disgusted and shocked at how Transunion treated me and my credit report. After 8 months of disputing and trying to get information corrected on my credit reports I finally called them today. First there was a XXXX I spoke to and he said that there have been investigations but had no dates or report numbers to give me. Also advised that I have not gotten a single investigation report in the mail. NONE. Only information that has been sent to me is notices to provide more info on ID and also a Reinvestigation Procedure. But not one single report at all!!!! So how are they conducting this investigation without giving me a report? This is unacceptable. I told him to provide me the details of this SUPPOSIVE report but could not provide me with that information either. 

I was transferred then to XXXX ( supervisor ) where I asked him as well how has this been going on for months when I havent gotten a single disclosure report or investigation results in the mail but yet state there has been an investigation done. He also told me the reports have been sent out but to the address listed on the report of XXXX XXXX XXXX XXXX XXXX, FL XXXX. Which I have told them that does not belong to me since I began the disputes in XX/XX/XXXX. Also how can the reports be sent there but I continue to get notices to the correct address XXXX XXXX XXXX Terr Homestead, FL XXXX asking for more information and also the simple response they provide for investigation procedures. 

Investigation results provided finally on XX/XX/XXXX dated XX/XX/XXXX file number XXXX did not consider all relevant information as required by the FCRA Section 623 ( a ) ( 4 ) listed in my dispute which is a violation and indication there was no investigation properly done still reporting inaccurate accounts on my credit report. 

Bankruptcy XXXX Disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX How can this account be investigated if the date updated XX/XX/XXXX on the results dated XX/XX/XXXX file # XXXX with no compliance code ( base segment field 20 ) as required by the credit reporting agency to add the correct codification while the account is in dispute as listed under the FCRA Section 611 ( c ). Which is a clear indication no investigation has been done by Transunion. 
This account is unverified and must be deleted immediately. 
Furthermore attached is a copy of my XXXX report where there is no bankruptcy listed but Transunion is stating this is where the information is coming from. 

XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX How can XXXX be accurate when the information has not been consistent XX/XX/XXXX thru XX/XX/XXXX reports show the account status was a charge off that was opened XX/XX/XXXX with a credit limit of {$190.00} with a close date of XX/XX/XXXX but then my report on Credit reported on XXXX/XXXX/XXXX the account status was current account with a credit limit of {$3200.00} and a closed date of XX/XX/XXXX. 
Credit report on XX/XX/XXXX the account status is back to charge off with a credit limit of {$190.00} and a close date of XX/XX/XXXX So again how is this Accurate? 
Delete in unverified erroneous account immediately Reporting as purchased by another lender without providing the information on who it was sold to as required by the XXXX metro 2 guidelines under segment K2 field 3.

This is a violation and must be removed for incomplete reporting Account status base segment field 17A is inaccurate. Reporting charge off with the closed date ( base segment field 26 ) of XX/XX/XXXX but the payment history profile ( Base segment field 18 ) is reporting the account rating ( base segment field 17B ) 120 day late on XX/XX/XXXX. None of this information adds up. 
This account is reporting inaccurate and misleading information and must be deleted immediately Missing compliance code ( base segment field 20 ) as required by the credit reporting agency to add the correct codification while the account is in dispute as listed under the FCRA Section 611 ( c ). A dispute was also sent directly to CCB/ULTA on XX/XX/XXXX with no response from the creditor or dispute notification added to my credit reports as required by the FCRA 605 ( f ) with a direct dispute. Which is a clear indication this account has not been investigated This is a violation and request this unverified account to be deleted immediately PORTFOLIO RC XXXX Last activity date in Header Segment Field 8 is inaccurate reporting the date account information base segment field 24 with the date updated and not as of the FCRA Date of First Delinquency Field 25 that led to the Account Status ( 17A ) being reported as a collection account. Which should be 30 days after the original missing payment date with the original creditor, not the date the collection account was opened. 
This account has been re-aged which is a violation and request this erroneous account to be deleted immediately Account Type is inaccurate. Reporting an Open account with the wrong portfolio type causing inaccurate monthly reporting of a collection account. 
This is a violation and request this account to be deleted immediately XXXX XXXX XXXX Disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Activity date in Header record field 8 should reflect the FCRA Date of First Delinquency field 25 that led to the Account Status ( 17A ) being reported. Which should be 30 days after the original missing payment date with the creditor, not the date the account was closed. 
This account is inaccurate and re-ages the account compliance date which is a violation. Please delete this misleading account immediately Payments history profile base segment field 18 reporting an account rating base field 17B of 120 days on XX/XX/XXXX and XX/XX/XXXX. How can the account be 120 days late on XX/XX/XXXX and XX/XX/XXXX? 
Please deleted thi erroneous account immediately XXXX XXXX Disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Direct dispute sent to XXXX XXXX on XX/XX/XXXX with no response from the creditor and no dispute codification added to my credit report as required by the FCRA XXXX05 ( f ). So how is this being verified? 
This is a violation and must be deleted Missing compliance code ( base segment field 20 ) as required by the credit reporting agency to add the correct codification while the account is in dispute as listed under the FCRA Section 611 ( c ). There have been no dispute notes in my credit reports indicating the account has ever been disputed or investigated This is a violation and request this unverified account to be deleted immediately Activity date in Header record field 8 is inaccurate. Reporting the same date as the closed date ( base segment field 26 ) of XX/XX/XXXX and not the date of first delinquency base ( segment field 25 ) with the payment rating ( base segment field 17B ) continuing to report after reporting 60 days XX/XX/XXXX, 90 on XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 
This account is erroneous and misleading. Please deleted immediately this account immediately

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