Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Complaint XXXX was closed as a " duplicate '' complaint. This is NOT A DUPLICATE. This is simply a new occurrence, which is a new violation, of the SAME EXACT FRAUDULENT PROCEDURE. This recent violation occurred on XXXX. That is not the same as the violation stated in any of the previous complaints. Specifically complaint XXXX was mentioned. That complaint was about the violation on XXXX. There was a separate violation with XXXX on XXXX. 

This is how this fraud and game is played by these companies. XXXX XXXX XXXX XXXX XXXX  agreed to remove a late payment over the phone for XXXX different accounts ( XXXX ). Then decided that they wouldn't delete the late payments the next month. Then in XXXX of XXXX they agreed to send a request to remove the late payments for both separate accounts. This request has been sent to the XXXX major Reporting Agencies on XX/XX/XXXX, XX/XX/XXXX and the XXXX of XXXX All XXXX times XXXX XXXX XXXX XXXX Bank also validated the late as accurate. Which basically put the entire process in reverse. So the late was removed and it reflected on my report and score and then days later it was reverted back to showing late. Again this is XXXX separate issues with the most recent being this month just XXXX days ago on the XXXX of XXXX. 

XXXX even admitted to such in their response to complaint XXXX. They remove it but then days later Transunion will do a dispute process after the correction has already been made. Then they send the dispute back to XXXX and XXXX validates the late as accurate and it goes back on the credit profile and the XXXX score drops almost instantly again. Even though they all get the complaints at the same time Transunion seems to conveniently run the dispute after the other companies resolve the issue. This late response always turns the issue back into a dispute and then basically back where it started. 

On XXXX separate occasions they have done this. I know the eOSCAR system, the data fields and XXXX language. I know about the XXXX and The XXXX XXXX XXXX XXXX. I know the FCRA and the regulatory structure, I know about the FDCPA. And I know that there are numerous blatant violations with just this account alone. 

Transunion responds slowly to everything. Their delay is causing a resolved problem to be unresolved. XXXX XXXX XXXX XXXX Bank is compounding the problem by re-validating. 

This is not a coincidence. This is a pattern. I have avoided litigation with XXXX XXXX ' XXXX XXXX ' because I felt that their efforts were respectable. But after seeing this pattern I now come to the belief that a lawsuit is the only way to truly get remedy and justice. XXXX XXXX is located in XXXX XXXX, MO so venue for a claim is local. 

So again, and for the final time this is my formal notice to file suit against XXXX XXXX XXXX XXXX Bank in XXXX days on XX/XX/2022. I have already filed against Transunion. I will petition the court of XXXX XXXX, MO with a claim against this company for several violations.

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