Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Reference Account : XXXX XXXX XXXX Collection Account # XXXX CFPB, I am writing this complaint to request that Transunion provide the method that they used to verify an inaccurate account on my credit report and other information as proof that a thorough investigation was performed to ascertain the accuracy of the XXXX XXXX account. The account in question is a paid collection account that continues to report an inaccurate PAYMENT DATE and DATE OF FIRST DELINQUENCY ( DOFD ) On XXXX XX/XX/XXXX, I submitted an investigation request disputing these dates and the result of the dispute, came back verified as accurate. However, I know for a fact that the disputed information is incorrect, because I verified the dates with the original creditor XXXX, on several occasions. XXXX also informed me that they provided the correct information to XXXX XXXX in XXXX of XXXX, yet the information still remains in accurate. For background purposed, in XXXX, prior to my knowing the account had been sent to collections, I paid the amount to the original creditor, the XXXX representative that took my payment told me that they would remove the account from collections. This never happened and the account was still reported by XXXX XXXX not long after I informed them that the account was paid. In addition, I filed a complaint against XXXX XXXX in XXXX for sharing my debt information with someone other than myself. Then in XXXX XXXX I noted several errors in the reporting of the account, disputed the account and the information was updated at that time, but the newly reported information was also incorrect. At the time I did not have the finances to pursue legal action for these violations, but today I am in a better place financially to pursue the matter further, if need be. I successfully filed a lawsuit against another collections agency in XXXX, so I'm confidant this would be decided in my favor as well. However, my hope is that I do not have to go that route to correct something that can be easily corrected, if the investigation into this dispute is properly addressed and the account updated with the correct information, or otherwise remedied in accordance with the FCRA. Unfortunately, so far, that has not been the case. 

On XXXX XX/XX/XXXX, I again submitted a Transunion dispute for the XXXX XXXX account due to incorrect PAID DATE and DOFD. This dispute was submitted via XXXX XXXX. The dispute status on XXXX XXXX stated the dispute should be completed by XXXX XX/XX/XXXX. In the meantime, on XXXX XX/XX/XXXX, I decided to review my annual credit reports and noted other accounts on my Transunion report that had errors, which I proceeded to dispute directly with Transunion. When I accessed Transunion Dispute Service Center later to ensure those account were showing as disputed, I noted that Transunion was reporting the XXXX XXXX dispute as having been completed on XXXX XX/XX/XXXX and the result stated that the information was verified by the furnisher, XXXX XXXX, as accurate. However, the incorrect dates remained unchanged, which today is still inaccurate. In addition, I never received a notification from Transunion via email or regular XXXX mail service to inform me that this dispute was completed with results. Further, when I checked my XXXX XXXX account, I saw that he dispute status was still showing in review status, to be completed on XXXX XXXX. I concluded that the two systems just hadnt caught up yet and XXXX XXXX would update in a couple of days. However, on XXXX XXXX, when I checked XXXX XXXX again, it still showed the dispute in review, while at the Transunion website, the dispute status still showed as completed. At this time, I also reviewed copies of my Transunion report that I pulled from XXXX XXXX during the dispute period and saw that the account was never annotated as being in dispute. 

At this time, I contacted Transunion customer service and spoke with a representative to confirm the status of the XXXX XXXX dispute. I also asked why Transunion and XXXX XXXX had different status for the dispute and she could not explain why. She stated that the dispute was completed on XXXX XXXX and that it came back verified/accurate. She also said that Transunion has no control over what's reported at XXXX XXXX. I found this to be contradiction, since XXXX XXXX and Transunion both advertise their partnership in allowing XXXX XXXX to supply Transunion XXXX data, which I understand comes directly from Transunion and reflects the same information. I told the representative that the dates on the account are still correct and asked how the information was verified as accurate. I know for a fact the PAID DATE is wrong, because I have bank records of when I paid the overdue balance. I also informed her that I know when the account first went into default because I have the last bill. So, I asked what was used to verify the dates. The representative stated that my name and social security number ( SSN ) were verified during the investigation. I asked what this meant and she repeated this statement and explained that the information she gave me is all that she saw in her system. I explained that my name and SSN was not in dispute, so I was confused as to why this information was investigated, instead of the actual errors that I disputed. She still wasnt able to provide an explanation and just offered to start another dispute for me, which I declined. 

I hung up with this representative and called back later to ask to speak with a supervisor or someone who could explain to me how the account was verified as accurate This new representative also told me that the account was verified with my name and SSN. She then stated that I could write a letter to Transunion to dispute the findings. I again explained that I did not want to start another dispute at this time, I simply wanted to know what was used other than my name and SSN to verify that the PAID DATE and DOFD accurate. Within a span of XXXX days, I spoke with several different representatives that either gave me similar response or had conflicting answers. In addition, I asked all representatives why I did not receive notification that the dispute was completed and each had a different answer to that as well. The first representative said that they emailed me the notification. I explained that Id not received an email and asked if she could provide the SENDERS email address so that I can search my email account again. She said that she could not access that information and directed me to call back. When I did, I got the same response from another representative. One of the last representatives that I spoke with, then insisted that a letter was mailed to me and very adamant in stating that that Transunion does not send emails. However, after sharing with him what previous representatives told me, he suddenly changed his response said that Transunion does send email notifications and suddenly he could see in the system that an email was sent to me. Again I asked for the SENDERS email address and, like the other representatives, he said that he was unable to access that information at the moment. I then asked him to provide the email address that the notice was sent and he provided an email address that belongs to me, but was not the email address that I use for Transunion or the dispute. Needless to say, Ive still not received notification of the dispute completion/results or any evidence that a notification was sent to me at all. In addition, the XXXX XXXX website is still showing that the dispute is still in review with a completion date of XXXX XX/XX/XXXX. Today is XXXX XXXX, 41 days past that deadline. 

With all of the misinformation, conflicting responses from Transunion representatives, etc., which conversations I have documented in text format, I cant help but question whether the dispute for XXXX XXXX was properly investigated. I also question the veracity of that investigation, if it did occur, especially, when I know for certain that the verified information is still incorrect. 

Therefore, in this complaint, I am requesting that Transunion provide me with the following as proof that Transunion completed a proper and independent investigation, 1. Provide details about the procedures used to investigate the dispute and conclude that the account information is accurate. Please provide the name of the XXXX XXXX employee whom was contacted for verification and any documentation and correspondence ( i.e., requests for information, statements, bills, receipts, summaries. ) provided to Transunion as proof that that the PAID DATE and DATE OF FIRST DELINQUENCY are accurate, as they are currently reporting. 
2. Provide the date that the investigation was completed. ( With the dispute status under XXXX XXXX still saying in review and Transunion showing completed, how am I know which is accurate to establish a timeline? ) 3. Proof that Transunion sent me notification of the dispute completion date and results of the investigation. Please provide the date of notification and method. If email, please provide the XXXX email address and the email address where it was emailed. If mailed, please provide the physical mailing address. 
4. An explanation as to why the XXXX XXXX account was not annotated on my credit report as in disputed during the investigation and still is not annotated in dispute today, XXXX XX/XX/XXXX. 

Ive provided a copy of my Transunion XXXX XXXX report from today, XXXX XX/XX/XXXX as proof of how the dispute still showing in XXXX XXXX and in Transunion Service Center. In addition, you'll note on the credit report that the account is not notated as in dispute. XXXX XXXX is the only report that i can access at this time, because Transunion has restricted access to my credit report at their website and annualcreditreport.com since XXXX XXXX. 

Please note that this is NOT a dispute request. Again, this complaint is not intended to initiate another dispute for the XXXX account at this time. This complaint and the requested resolutions are intended to ensure that I understand the information and procedures used to verify the accuracy of the XXXX XXXX account, while exercising my rights in accordance in the FCRA. Your assistance in this matter is greatly appreciated. 

Thank you, XXXX XXXX