Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2022, I reviewed my credit report. I then that it was not 100 % accurate. I subsequently drafted dispute letters for all three credit bureaus requesting a thorough reinvestigation into the reports as required by the FCRA. The accounts called into question is as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Transunion sent a late boilerplate response with without following the aforementioned FCRA law ; 15 U.S. code 1681 ( d ) ( a ) ( 1 ) ; 15 U.S. code 1681 e ( b ) ; 15 U.S. code 1681 i ; 15 U.S. code 1681 i ( 2 ) ( A ) ; 15 U.S. code 1681 i ( 4 ) ; 15 U.S. code 1681 i ( 5 ) ( A ) ( i ) ; 15 U.S. code 1681 i ( 6 ) ( i ) ; 15 U.S. code 1681 i ( 6 ) ( iii ) ; 15 U.S. code 1681 i ( 6 ) ( iv ) ; 15 U.S. code 1681 i ( 6 ) ( v ) ; 15 U.S. code 1681 i ( 7 ). 

Relative to this submission, I highlighted that the above accounts failed to show 100 percent accuracy across the board with all three credit bureaus. See : Exhibits and Appendixs from Credit report. 


XXXX removed some of the accounts. TransUnion and XXXX failed to throughly investigate the claims and respect my constitutional rights to the concrete law of FCRA. 



BLATANT DISREGARD FOR CONSUMERS RIGHTS : The first account which supports my argument against Transunion is ; * XXXX # XXXX The credit report has three of the same accounts open under XXXX. All three accounts reflect different facts. Two have the same account number one doesnt. They are not 100 % congruent and highlights the gross negligence of Transunion handling consumers valuable information. Also, this accounts is seven ( 7 ) years old and should have been respectfully removed. See : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The second highlighting negligence is; * XXXX XXXX # XXXX This account clearly reflects shows a gross discrepancy with the FCRA. The account is classified as a charge off at a balance of {$880.00} however, Transunion is allowing this debt to continue reporting as open. More so, it also shows that for consecutive months the past due amount has changed from {$610.00} to {$650.00}. Lastly, All the dates consistent with the accuracy of the accounts are inconsistent which demonstrates that a valid investigation wasnt conducted. See : XXXX XXXX XXXX XXXX XXXX 

In short, please review XXXX XXXX XXXX XXXX XXXX  Within this evidence it is demonstrated that a honest investigation was not conducted to truthfully verify these accounts. Some accounts are stated as closed instead of closed by creditor. Others have marks of being derogatory instead of paid. There is no accounts that reflects 100 % accuracy between XXXX, XXXX and Transunion. This false information reported by these credit bureaus has cause me to be denied for home loans and credit. Furthermore, the false and inaccurate assessment of my sensitive information has also harmed my credit score and not offered me a fair opportunity for financial stability.

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 non-monetary relief