Consumer complaint received 2016-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
During each credit dispute investigation, TransUnion has allowed XXXX Mortgage to fraudulently update and change information on the report reported by XXXX with bogus payment history. This is nothing short of fraud and a clear violation of my civil liberties under the FCRA 611 ( a ) ( 5 ) ( A ) ( i ) for duties to delete inaccurate information. 
Upon every dispute, XXXX manipulated payment history by swapping current/late payment status around. It appears XXXX Mortgage was just making an update on the account to satisfy the responsibility of doing a " reinvestigation '' as required by the FCRA when notified of a dispute. XXXX Mortgage was not doing any reinvestigation and TransUnion just parroted 3rd party information without any proper investigation as to the accuracy. 
On each screen print attached, you will see how the payment history was changed for specific dates, and then what the payment history was previous to the update. For the sake of brevity, I 'm presenting credit report data from XXXX XXXX. I have copies of the credit reports showing these changes but it 's easier to see what changed using the format XXXX XXXX provides. 
XXXX XXXX - note the status on each example, which I have highlighted on the documents. 
See 1st example attachment - TransUnion-XXXX ; this attachment shows main cover page and the relevant page showing the XXXX Mortgage account. On the XXXX Mortgage account on this document, there you can see the date XXXX ( XXXX XXXX XXXX showing " 30 days late '' as of XXXX/XXXX/XXXX. 
See 2nd example attachment - XXXX ; on the dispute initiated around XXXX XXXX a few months later, it shows XXXX Mortgage changed XXXX from " 30 days late '' to showing " Current ''. " XXXX '' other payment date statuses were also changed on that dispute which is suspicious and inaccurate. The dates at the bottom of the document are the time frame in which it happened noted by XXXX XXXX. 
See 3rd example attachment - XXXX ; on this more recent dispute around XXXX XXXX, it shows XXXX Mortgage changed XXXX from " Current '' back to " 30 days late '' along with a few other incorrect date status changes. The dates at the bottom of the document are the time frame in which it happened noted by XXXX XXXX. 
See 4th example attachment - XXXX ; after the XXXX XXXX dispute still came back with bogus info, I disputed again within weeks. This is my most recent dispute started in XXXX XXXX. XXXX Mortgage only changed a single status this time probably to close the dispute quickly. Again for the 4th time XXXX was changed from " 30 days late '' back to " Current ''. This was barely even a month or so later. The dates at the bottom of the document are the time frame in which it happened noted by XXXX XXXX. 
As you can see from " XXXX '' example using XXXX XXXX ( XXXX ) they are continuing to manipulate my credit report with false and inaccurate data. 
XXXX XXXX was late, then current, then late, then current. All updated after different disputes. 
It was either late or it was n't! 
There are other dates that flip flop around as well but I 'm limited on words in this form. I 've included screen shots to show different date statuses over time. All of this can be verified through my credit reports. There is no excuse or reasons for this. 
They have also changed my high balance from it 's reported balance to other amounts after the account closed reported as XXXX XXXX XXXX. 
Enclosed is a copy of the IRS form XXXX showing actual balance of {$170000.00} Enclosed is a copy of a TransUnion credit report dated XXXX showing a balance of {$170000.00} Enclosed is a copy of a TransUnion credit report dated XXXX showing a balance of {$180000.00} TransUnion has made clear violations of my civil liberties under FCRA for intentionally and willfully providing inaccurate information.

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