Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
Hello i am trying to get the credit reporting companies to stop reporting false information on my reports.The three major reporting companies all show multiple errors on my reports.I have repeatedly asked to have the items verified that are incorrect and i am just been runaround for over a year now.I have sent certified notorized letters demanding proof of verification as they are under a legal obligation to do so.I have been lied to by all three companies.I have been told that im not giving them adequite time to verify.You have by law 30 days and i have been disputing the same errors for well over a year.I received no responce from any one of the companies with the certified letters sent the first of XXXX XXXXThat alone violates the laws governing their right to report unverified information.How can you say its been verified when you all show accoubts that were never late yet you show derogatory payment history.Some of these accounts are over ten years old and have had XXXX balances for 6 or 7 years but yet you show it as derogatory with numerous missed payments and you show the last reported date as like XXXX XXXXHow is that possible on an account that has been paid off since XXXXYou all have notified me that you verified this information.But you have not or you would see you are in violation and reporting false information that is hurting my ability to survive.Lets look at the XXXX XXXX  all three companies have been showing it as XXXX for XXXX years or so and i have repeatedly disputed this .You show it as a 60 month term.If you look at your own report you will see that i have had that account for 22 years, Also it is current and no past due balance is true.So again false information that you repeatedly claimed to have verified.Also a company called XXXX XXXX  has repeatedly had hard pulls on my credit that i have not ever authorized.I have never had any loans with them other then one of my credit cards is through their company and credit karma uses them for offering loans that i never asked for.They show over 19 hard pulls on my report with them alone.How can this happen if you are following the laws.The Texas staute of limitation on debt is four years but you have multiple ten year items reported on my reports.How is it possible that you actually verified the information like you have repeatedly stated to me.I am ghoing to contact an attorney and sue for the numerous damages that are being caused by your false reporting of unverified information.This will be my last attempt to handle this ourselves.If it is not done correctly with actual verified information and all others removed i will be forced to file a lawsuit and seek compensation for damages.

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