WHAT HAPPENEDProduct : TransUnion Credit ReportingIssue : Credit Reporting Agency 's XXXX CRA XXXX investigation was inadequate and failed to consider self-admitted unreliable Creditor payment system, Creditor 's own Payment History spreadsheet and Borrower Check Ledger. 

Describe what happened so we can understand the issue ... 

TransUnion Refused to Require Credible Debt Verification on the Part of Major Subscriber XXXX. 

The Federal Trade Commission and the Consumer Financial Protection Bureau should take the lead in forcing TransUnion and XXXX to comply with Federal Law and Federal Court Order. Moreover, CFPB has recently issued a Bulletin finding inadequacies in the CRA validation process and there is a pending Federal Court case challenging same ( State of Mississippi XXXX XXXX. ) TransUnion refuses to require " Furnisher '' XXXX to bring its credit reporting system into compliance with the Fair Credit Reporting Act ( FCRA ) ; acceptable debt validation process in general ; and, the XXXX 2014 United States XXXX XXXX XXXX Order, in particular. TransUnion continues to use unverified data provided by XXXX in its valuation of credit reports and resulting credit scores. Although the Consent Order systematically invalidates XXXX 's data collection/reporting process, TransUnion appears to be acting in tandem with XXXX to refuse to facilitate credible/acceptable debt verification. In fact, TransUnion simply ignores the existence of clear and convincing evidence that XXXX has " routinely '' misreported debtor payment history and otherwise made inappropriate " assessments '' to Borrower accounts. 

In the instant matter, TransUnion unilaterally accepts XXXX 's undocumented position that I am {$15000.00} behind in mortgage-related " assessments '' and 12 months behind in mortgage payments. Among other credit report wrong-doings, I am legally entitled to copies of TransUnion 's debt validation referral to Furnisher XXXX - and XXXX 's response. XXXX and TransUnion should not be allowed to engage in secret communications concerning debtor account and inquiries. I have repeatedly requested a detailed breakdown of the alleged and bogus {$15000.00} assessments and identification of the specific 12 months of mortgage payments I am allegedly in arrears. Providing this information is crucial given the XXXX Court 's invalidation of XXXX 's internal reporting system, and the fact many of these charges were assessed during the period I was under Chapter XXXX protection ; a clear violation of Federal Bankruptcy law. 

TransUnion should not be allowed to ignore un-refuted evidence ( in the form of the Consent Order, check ledger and Payment History spreadsheet ) of wrong-doing and systematic misreporting on the part XXXX of its major subscribers. 

In its Credit Report, TransUnion uses a " Rating Key '' designation and states " Some creditors report the timeliness of your payments EACH MONTH ( emphasis added ) in relation with your agreement with them ''. Creditor has repeatedly stated it can not provide monthly statements to Borrower because of " systems limitation ''. Obviously, given the creditor 's self-admitted unreliable payment system, it is irresponsible for TransUnion to accept XXXX 's figures as far as payments made, where such payments were credited, and any alleged arrearage on Borrower 's part.