Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/XXXX I sent my first dispute to TransUnion where they failed to response to me so I sent another follow up letter on XX/XX/XXXX and all I got back was a letter dated XX/XX/XXXX and another letter dated XX/XX/XXXX on XX/XX/XXXX explaining the procedures and still have not gotten a response from them for the following accounts that is causing serious harm to my credit. 

XXXX/XXXX  Charge off {$1000.00} This account is still questionable since my dispute on XX/XX/XXXX with a follow up on XX/XX/XXXX with no response. The date of last payment on my TransUnion report shows XX/XX/XXXX with the date of last active XX/XX/XXXX. When the date of last Payment on XXXX  shows XX/XX/XXXX with the date of last active on TransUnion shows XX/XX/XXXX. How can this information be accurate? 

I also had a collection agency XXXX XXXX who was attempting to collect this debt and was unable to provide me with any information that is linked to this account but a simple bill with a balance. No date of first delinquency or any information on the correct balance or breakdown. 

XXXX XXXX {$620.00} This account is still questionable since my dispute on XX/XX/XXXX with no response and see changes where made and I was not given any information on why or how the information can now be different. On my report on XX/XX/XXXX the date reported was XX/XX/XXXX and now you have a date reported of XX/XX/XXXX. Also your date of last active shows XX/XX/XXXX but shows no information on the date of last payment to compare. No investigation results have been sent to me on this account or why it has any changes. 

XXXX XXXX This account is being reported twice with the same balance of {$1100.00}, same account number XXXX one with an open date of XX/XX/XXXX with a past due balance of {$730.00} and the other with an opened date of XX/XX/XXXX with a balance of {$1100.00}. I have addressed this to TransUnion already on XX/XX/XXXX and again on XX/XX/XXXX with no response. This account is inaccurately being reported twice making a duplicate derogatory remark on my TransUnion account and needs to be removed immediately. 

XXXX  XXXX This account is being reported twice with same account number XXXX one with an open date of XX/XX/XXXX with a balance of {$12000.00} and a past due balance of {$12000.00} and the other with an opened date of XX/XX/XXXX with a balance of {$12000.00} and with a past due balance of {$1500.00}. I have addressed this to TransUnion already on XX/XX/XXXX and again on XX/XX/XXXX with no response. This account is inaccurately being reported twice making a duplicate derogatory remark on my TransUnion account and needs to be removed immediately. 

The XXXX  XXXX, XXXX XXXX and XXXX/XXXX  clearly have not even been looked into since there isn't even disputed notes on the remarks

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