Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 believe transunion is not abiding by the FCRA. Transunion continues to send me there stall XXXX generic automated letter accusing me of working with a " credit clinic '' and making me feel like im not smart enough that I wrote my own disputes. XX/XX/XXXX I wrote transunion a letter in regards to 3 accounts reflecting errors and incomplete information. my results are available on there transunion website but when I clicked on the link, the link did not allow me to access my results. I was able to get a new report and to my surprise the File number XXXX in regards to my previous report on XX/XX/XXXX was the exact same file number as my new updated report dated XX/XX/XXXX. I have actually put transunion on notice of the file number remains the same in my XX/XX/XXXX dispute. to my understanding if a account is being disputed based on a different reason and TransUnion investigates the account properly, the file number should be different. This further more proves that transunion is in non compliance by not properly and thoroughly investigating items I bring to there attention to modify because of inaccurate or incomplete information. I did however notice that transunion has updated the accounts, but such modification were not modified correctly. 

XXXXXXXX XXXX account- my previous dispute was based on transunion NOT reporting the contact phone number on this charged off account. this is incomplete information and according to the IRS publication a contact phone number and disputing address is required to report in order for a consumer to contact the creditor. my updated report XXXX  XXXX XXXX, still does NOT report the phone number, in addition transunion has changed to date of delinquency in the payment history from XX/XX/XXXX to now XX/XX/XXXX without modifying the estimated month and year this item is set to be removed. how can they modify the date of delinquency date in the payment history but still report the 7 year removal date to be XX/XX/XXXX?. there modified date of delinquency date XX/XX/XXXX in the payment history still does NOT prove that the estimated XXXX removal date of XX/XX/XXXX is accurate. this is a FCRA violation and still inaccurate reported information and believe TransUnion is responsible for re-aging this account. 1681c ( c ) ( 1 ). 

XXXX XXXX XXXX account - my previous dispute was based on transunion NOT reporting the Last Payment Made field on this account. such information is required to report for my understanding and knowledge. my updated report XX/XX/XXXX, still does NOT report the last Payment made field. in addition, transunion is NOT even reporting the date of delinquency date in the payment history. the payment history consist of only OK payments and ( X ) no data information. there is no 30 days late in the payment history that lead up to the charge off status to determine the 7 year running of reporting date.. if transunion does not report the date of delinquency in the payment history then how did they come up with the 7 year estimated month and year this item will be removed date of XX/XX/XXXX? this is a FCRA violation and still inaccurate and incomplete required reported information. 1681c ( c ) ( 1 ). 

XXXX  XXXX account - my previous dispute was based on transunion not investigating this account properly at all. to my understanding according to the FCRA 1681i ( a ) ( 1 ) ( A ) the consumer reporitng agency has to contact the creditor of information to put the account into dispute in order to complete the investigation. it is hard for me to believe that transunion has contacted the creditor in regards to my dispute because the last time this creditor has reported to transunion was XX/XX/XXXX, therefore putting the notice of dispute from the creditor to be outdated causing this comments to be inaccurate. in addition my updated report XX/XX/XXXX reflects that transunion has actually removed 4 months of positive payments in the payment history from XXXX XXXX which is completely unfair to me and my credit score. transunion is now damaging and decreasing my credit score by taking away positive payment history. 

I do not believe transunion has properly and thoroughly completed a investigation on any of these accounts the FCRA compliance way in a long time and the file number remaining the same on my updated report after results that were available on there website ( even tho I could not access the results, due to complications on there end ) further more proves that transunion is in non compliance. every time I dispute with experian and XXXX I get a new report number and confirmation number. transunion uses the same file number after every dispute and results and transunions unfair practices are unlawful and deceiving and costing me thousands of dollars in interest rates. these accounts are in fact inaccurate and incomplete and I have given TransUnion plenty of opportunities to cure these items to the maximum possible of accuracy and TransUnion fails to follow reasonable procedures to assure my report is accurate before preparing me with results and a updated report. violation 1681e ( b ). I have proof that is attached to this complaint that TransUnion has been using the same exact file number since XX/XX/XXXX!!!! I have also attached copies of some of my results reflecting the exact same file number as well. TransUnions non compliance procedures have damaged my consumer file for over a year now. damages I will be glad to get compensated for when speaking to my attorneys general office and a consumer law lawyer to build my case. please look at each and every file number on the results I have included over this past year.

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