Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I sent letters regarding inaccuracies and erroneous information on my credit report to Transunion, XXXX XXXX XXXX. To this day, I have received no response regarding my disputes on the above dates and I even provided the documentation of the balances and payments. I feel like I am being taken advantage of and am being ignored. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

1. ) XXXX XXXX XXXX XXXX ; Transunion, XXXX XXXX XXXX has inaccurate balances and inaccurate payment amounts on my account # XXXX. I have disputed this with documentation, and they are refusing to re-investigate. They are reporting {$13000.00} ( on XXXX ), {$12000.00} ( on XXXX ), & {$14.00}, XXXX ( on Transunion ) as the current balance today XX/XX/XXXX, which are not accurate. The balance is currently {$9000.00} as of today ( XX/XX/XXXX ). They are reporting inaccurate amounts in my payments and inaccurate dates that I have made them. XXXX has agreed with me to go back into repayment as of XX/XX/XXXX, and I have uploaded the agreement and all the payments I have made. The first 2 receipts have the accurate amount due before and after the payments. ( XX/XX/XXXX and XX/XX/XXXX ). After that they refused to provide me with the balance before and after each payment that I paid monthly. XXXX said they were not able to provide the balances to me and then when I sent them a letter requesting the documentation of my payments and subsequent balances, they added money onto my account without my knowledge. I agreed to repay the amount that I borrowed which was {$15000.00}. And it shows that amount of {$15000.00} as the beginning balance on my first receipt XX/XX/XXXX, and then after my {$1000.00} payment, the ending balance was {$14000.00}. The subsequent payments agreed upon were {$500.00} per month and the second month had the correct beginning and ending balance. XXXX XXXX at XXXX XXXX told me that the customer service cashiers were told to not give me receipts with balances on them. This does not make sense. It appears that they are hiding something and being discriminatory towards me because I am XXXX. I cant even go in to make my payments anymore because of this. Then when I pulled a copy of my credit report from TransUnion, XXXX XXXX XXXX, the balance was inaccurate and is still showing the above amounts after I have made monthly payments of {$500.00} as agreed upon for 10 months. I have repeatedly requested that Transunion, XXXX XXXX XXXX do a re-investigation and they have refused, stating that XXXX XXXX has verified the information. This is a violation of my rights to not have a re-investigation done under Section 611 ( a ) which plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 7 months since my first request to investigate. Therefore, I am requesting that they remove this account from my TransUnion, XXXX XXXX XXXX credit report d/t the erroneous and inaccurate information they are reporting. 

2. ) XXXX XXXX, account XXXX has inaccurate reporting on my TransUnion. XXXX, XXXX credit report. This account is paid in FULL. I have attached documentation. I disputed the amount with the TransUnion, XXXX XXXX XXXX, and they refused to reinvestigate. On my Transunion Report, it is reporting {$5900.00} with a high balance of {$3500.00}. They added over {$230000.00} onto my account balance in a two-month period. XXXX shows a balance of {$5900.00} on XX/XX/XXXX and the original amount was {$3200.00} which was paid off. XXXX is reporting {$5800.00}. So, you can see they are reporting inaccurate amounts and payments that were made only showed 5 payments and I paid them all. This is a violation of my rights to not have a re-investigation done under Section 611 ( a ) which plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

3. ) XXXX XXXX XXXX account XXXX XXXX is not my account and it is reporting {$2100.00} on my XXXX and XXXX credit reports. They have sold it without my permission to a 3rd party and it wasnt even my account. This is a violation 15 U.S.C 1681 section 602 A which states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written instructions. My information was also impacted by the XXXX date breach and may have got into the hands of the wrong person.

4, ) XXXX XXXX  account # XXXX with XXXX XXXX as the original creditor with balance {$390.00} is not my account and reporting on my XXXX Credit Report. I received a letter from the original creditor ( XXXX  XXXX ) stating that I am not responsible for this balance and that it was going to be removed in 30-60 days and it never got removed. It was removed once but has since been placed back on my credit file. This is a violation of 15 USC 1681 section 604 A, which states that a consumer reporting agency can not furnish an account without my written instructions. I never gave permission. I am attaching the letter from XXXX XXXX stating that they are removing it from my credit file. It has not been done yet. 

5. ) XXXX XXXX XXXX with account # XXXX is an account that was paid in full. It is still reporting on all three credit bureaus, TransUnion, XXXX XXXX XXXX. It is reporting a XXXX balance. I am attaching a document showing that it is paid in full. It needs to be removed from all three credit reports as I have sent multiple disputes documenting the paid in full status and they have refused to reinvestigate it and remove the account. It is negatively affecting my financial status and resulting in higher interest rates. This is a violation of my rights to not have a re-investigation done under Section 611 ( a ) which plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

6. ) XXXX XXXX with account # XXXX in the amount of {$400.00} is reported on my XXXX and Transunion credit reports. I have disputed this account as it is not my account. I have disputed this with XXXX ( XX/XX/XXXX & XX/XX/XXXX ) and they stated that they updated the account on XX/XX/XXXX ; however, it is not my account and they have never completed an investigation and I disputed this account with Transunion ( XX/XX/XXXX & XX/XX/XXXX ) and they have not completed a reinvestigation. This is a violation of my rights to not have a re-investigation done under Section 611 ( a ) which plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

Also, the following HARD INQUIRIES were made on my credit reports without my knowledge. I have disputed them with each credit reporting agency, and they refuse to remove them. I have no knowledge of these inquiries and did NOT authorize them : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION All of these inaccuracies are affecting me negatively, psychologically, mentally and financially costing me money in higher rates, which is extremely unfair. I would like TransUnion, XXXX XXXX XXXX to REMOVE ALL OF THE ABOVE ACCOUNTS from my credit report and DELETE all of the hard inquiries above that I did not give permission to pull. Thank you in advance for your assistance in this matter. 
Sincerely, XXXX XXXX. XXXX

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