Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have reached out to Transunion Credit Bureau on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in regards to incorrect information and discrepancies inaccurately being reported on my credit report. My method of contact has been via certified mail in which I have received proof of receipt and delivery for. Upon receipt of each request sent to Transunion credit bureau, they have opened an investigation on my behalf to verify the information I provided as inaccurate in my communication to them. Each investigation completed, yielded in the information coming back as either verified or updated. I never received any information from Transunion in reference to verification documents related to their methods of verification as requested. I have also notified Transunion that per the Federal Credit Reporting Act ( FCRA ) laws and Metro 2 reporting guidelines, that they must only provide and retain accurate information within their reports. Transunion has repeatedly violated my consumer rights by not removing the discrepancies, updating them correctly or providing me with proof of their method of verification related to their investigations. The accounts that I requested for Transunion to investigate are as follows : XXXX XXXX XXXX - # XXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXX XXXX XXXXXXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXX XXXX XXXXXXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXX # XXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXX XXXX XXXX XXXXXXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXX XXXX XXXX XXXXXXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXX XXXX XXXX XXXX XXXXXXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXX XXXX XXXXXXXX, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXXXXXX XXXX XXXX XXXX XXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXX XXXX XXXX XXXXXXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly,, duplicate accounts being reported by the same creditor with the same account numbers XXXX XXXX XXXX XXXXXXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly, duplicate accounts being reported by the same creditor with the same account numbers XXXX XXXX XXXX XXXXXXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXX XXXX XXXX XXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXX # XXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXX XXXX XXXX XXXXXXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly In each request for investigation to Transunion, Ive requested that theyd provide me with proof of their methods of verification upon each request to date, no methods of verification have been provided. 

Also, in my request to TransUnion, I have made it very clear of the discrepancies in my reports including but not limited to, payments being late payments being reported incorrectly, charge off accounts with balances being report, dates of last activity on accounts being different from what XXXX and XXXX has on record, duplicate accounts being reported by the same creditor with the same account numbers/balances/open date. In this I have provided TransUnion with screen shoots as proof as to what the other credit bureaus have reported as well for this same said account. 

This is my final attempt to have TransUnion perform a thorough investigation in addition to providing proof before I seek to take legal action against the credit bureau for disregarding my rights as a consumer. Because of this misrepresentation of inaccurate and misinformation, it has negatively affected me in my relationship with current creditors and prospective creditors in obtain/maintaining current or future relationships. 

In conclusion, because of my efforts to uphold Transunion to uphold my FCRA rights as well being out of compliance with Metro 2 reporting guidelines, I am now requesting for the account to be removed from my credit reports 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 non-monetary relief