Consumer complaint received 2019-12-17
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:
New additional information recently received from TransUnion updated on XX/XX/XXXX. Please see attachment for further details. After submitted a dispute challenge letter to TransUnion, over 45 days ago, TransUnion has responded to my dispute letter. Although the company has stated that the following accounts has been updated and verified there are still a number of noticeable inaccuracies in violations on my TransUnion credit report. Please see attachments for further details. 

( XXXX XXXX XXXX and original creditor XXXX XXXX XXXX  ) XXXX XXXX XXXX reports balance owed of {$980.00}, which can not be verified. XXXX  XXXX XXXX  reports a credit limit and balance of {$980.00} a violation. 

XXXX XXXX XXXX reports reports opening date of XX/XX/XXXX XXXX which is not consistent with opening date from original creditor : absolutely no payments were made to the collection agency after account has been closed or charged off. this is a reaged Account, a violation XXXX XXXX XXXX, reports that account was updated in XXXX of XXXX, but still reports a reagent account, an accurate balance, and reporting a past due balance of {$980.00} on a collection account. How can this account be updated when it's report in the same violations?? And inaccuracies?? ( please see attachment for details ) XXXX XXXX  an original creditor XXXX XXXX XXXX  does not report last date of activity, as a result this account is a violation. ) Please see attachment for details ). 

XXXX XXXX XXXX ; reports a past due balance of {$380.00} after this account has been closed and charged off, a violation XXXX XXXX XXXX, currently reports a payment history payment status collection status on a closed charged-off account, a clear violation ( XXXX XXXX XXXX ) currently reports a balance of {$380.00}, of which can not be verified by the original creditor from my written validation request, but TransUnion still continues to report this account is verified. This is a violation, ( please see enclosed attachment for details ) ( XXXX XXXX XXXX ) is being reported as updated and verified on XX/XX/XXXX, but in this updated credit report sent to me on XX/XX/XXXX TransUnion states that this account has been verified and updated with no changes since XXXX of XXXX XXXX when account was last disputed ; no changes and still reports multiple inaccuracies. this is proof that TransUnion has not investigated this account. A clear violation ( XXXX XXXX ) is currently reporting inaccurate balance, a violation ( Transunion ) reports ( XXXX XXXX ) as being updated but in account details states also that Account was last dated in XXXX of XXXX nearly 11 months ago. ; no changes and still reports multiple and inaccuracies. It is ( clear ) that transunion has not investigated this account. A violation. 

( XXXX XXXX  ) the original creditor : has not responded to my several validation request. As a result this account can not be verified. And is in violation. 


( XXXX XXXX XXXX ) XXXX XXXX XXXX  is reporting the wrong balances. ( Please see attachment for more details ) account has been charged off but still reports a past due of {$3500.00}. This is a violation ( TransUnion ) currently reports that XXXX XXXX XXXX account : has been verified and updated in their recent credit report sent to me on XX/XX/XXXX. However ; in Account details account still reports last updated in XXXX of XXXX, with no changes and multiple inaccuracies. this is a violation ( TransUnion ) reports that XXXX XXXX XXXX is closed and charged off while also reports a full payment history or charged off status. This is a violation. 


( TransUnion reports ) XXXX as a verified account in their last report sent to me in XXXX of XXXX. However my last, dispute letter sent to TransUnion disputing not only the multiple inaccuracies on this account. But has also provided TransUnion with billing statements received from XXXX as a part of my written validation request. In XXXX 's response, they sent me a statement what's the address XXXX XXXX   XXXX  XXXX XXXX New York. I have never lived at this address : and this address is not consistent with any address that is currently being reported and any of address history. This account is unknown and can not be verified or validated as a result. This account is in violation.

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