Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
-- - USDOE/XXXX  - This account is being reported with an abbreviated name, the full name of the servicer should be on the account. 

Transunion and XXXX  are reporting the Date of Last Payment as XX/XX/XXXX, XXXX  is reporting it as XX/XX/XXXX. No payments are due to this account at this time, however these dates are all inconsistent. However, Transunion is reporting the Date Last Active as XX/XX/XXXX, XXXX  shows XX/XX/XXXX, and XXXX  shows XX/XX/XXXX - none of these dates match and how can there be activity when no payment has been made? 

All three bureaus are reporting the high credit as {$57000.00}, but the balance shows {$62000.00} for Transunion and XXXX  while XXXX  shows an amount of {$62000.00}. This is a violation that has failed to be addressed repeatedly. - These amounts do not match. This information is not being reported 100 percent accurately according to the law. Transunion has repeatedly failed to report this account was in dispute at all. XXXX  removed that this account is in dispute from the comment. 


-- -- XXXX XXXX - XXXX  is the only company reporting this account on top of there being an invalid account number. I am also only listed as an authorized user. This is not considered my account and should be removed. 


-- -- Another XXXX XXXX  account is being reporting by XXXX  and I am only listed as an authorized user, this isn't considered my account. 



-- -- - XXXX - XXXX  is reporting the high credit limit as {$2300.00} while the credit limit was left at {$0.00} while Transunion and XXXX  are reporting the high credit amount as {$2800.00} with a credit limit of {$2300.00}. 

Transunion is reporting the Date Last Active as XX/XX/XXXX while XXXX  is reporting XX/XX/XXXX, and XXXX as XX/XX/XXXX. These dates are supposed to match since they are supposed to receive the same exact information from the company. The date of last payment for Transunion shows XX/XX/XXXX, but the date last active is XX/XX/XXXX. 

XXXX  also shows a date last active as XX/XX/XXXX, but the date of last payment as XX/XX/XXXX. XXXX   shows as date last active as XX/XX/XXXX with a date of last payment as XX/XX/XXXX. Why do none of these dates with these companies match? This is not being reported accurately still. 

I have also been making payments to this account since XX/XX/XXXX. I have paid XXXX, XXXX, XXXX, and XXXX so far. The two year payment history doesn't even reflect this. None of the bureaus are reporting this information. How can they have verified this account and still be reporting all of this so wrong? 




-- - XXXX XXXX - I have been making payments ever since XX/XX/XXXX to this company up until now. XXXX  shows a two-year payment history with CO, however XXXX shows I have been making payments since XX/XX/XXXX. XXXX  is reporting this wrong. 

XXXX  shows a date last active as XX/XX/XXXX, Transunion as XX/XX/XXXX, and XXXX  as XX/XX/XXXX. Again I have been making payments to this account since XX/XX/XXXX. However, Transunion is reporting the date of last payment as XX/XX/XXXX, XXXX  as XX/XX/XXXX, and XXXX  as XX/XX/XXXX. XXXX  shows a last reported date as XX/XX/XXXX, XXXX  shows XX/XX/XXXX, and Transunion shows XX/XX/XXXX. This information is not only inaccurate, but being reported inconsistently by all three bureaus. They did not verify this information as correct as I have attached evidence and they refuse to change it. These companies are obligated under the FCRA to report this information totally accurate and they aren't. This is severely affecting my credit score. 

Equifax is also reporting the credit limit as {$0.00} while Transunion and XXXX  are reporting it as {$8800.00}. XXXX  is reporting the High credit as {$0.00} while Transunion and XXXX  are showing {$9200.00}. 

All three bureaus are reporting a past due balance on a charge-off, which is a violation that they still have not corrected. XXXX  is showing a past due amount of {$8900.00}, XXXX  and Transunion show {$9000.00}. The account is already carrying a balance, it should not reflect a past due amount. Again, this is a violation. 

These companies are refusing to do a proper investigation into these errors. I have even asked for their method of verification and they didn't provide the information I requested, which I am allowed by law to request.

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