Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Good day! This is in reference to XXXX XXXX. After disputing ( and not agreeing with their findings/ responses ) this account three times with XXXX and Transunion ( this is now four times with Transunion ), I received XXXX XXXX conclusion of the matter on XX/XX/XXXX ( I will send in an attachment ). They also sent me my information on this account they furnished to the you. In conclusion of the letter it states if there are any inaccuracies with my credit report to deal with that agency, putting the onus on you that you are misreporting the information on my report and their data is accurate. I received your conclusion as well and reviewed the updates you made to the account and the rest you're remaining as verified. Well sadly, my account is more inaccurate then before I started the disputing process. You changed my account to now report as an active charge off. Furthermore, now you changed my account so that I received a 90 day late for XX/XX/XXXX when this account has been charged off for a year and a half, and that's the month I paid off the charge off. Why are you adding false DEROGATORY information when that month i paid off the account? I needed you to remove the inaccuracies not add false, damaging, credit denying information. Your false inaccurate modifications to my credit report is the reason i was denied for credit these past two weeks. I was denied for 2 personal credit cards and a loan ( all pre- approvals thankfully ) that i am well than more qualified for. Comes back from the lenders Transunion has me with a recent lateness and active charge off. This is so frustrating because my account has been wrong from day 1 and im trying to correct it but you keep verifying it as accurate. Then you, i think maliciously ( hopefully accidental ) changed my report because I was persistent to get this account reporting accurately and then removed when your false verifications came coming back. You just made my account ... " accurate '', by your standards but all you did was deny me my consumer rights to seek the credit I needed because of your new fraudulent reporting. It is absolutely damaging to remove accurate information and replace it with false inaccurate information. I would highly assume unlawful when that was your third reinvestigation of this one account. 
There are other inaccuracies as well, the information you wrote in my High Balances & Credit Limits is highly incorrect. The dates you puts are false and current! Again putting this closed charged off account from XXXX and paid off in XX/XX/XXXX into active charge off status again. Your dates are from XX/XX/XXXX to XX/XX/XXXX. That's the last four months!! Unlawfully misreporting my consumer profile/report and criminally modifying it to make your company more money off of me and cost me higher interest rates ( and not your intent, but to my detriment... credit denials )! This account should have been removed and your shady tactics kept false info as accurately verified THREE TIMES and now putting erroneous data out there to spite my advices and take food out of my family 's mouth by denying me my right to fair 100 % accurate reporting and to receive the credit I am entitled too. 
Also you did some modifications to change my fico report that I disputed previously and instead of removing account you removed the false information, which I guess technically is fine ( not to me however ) but on your own website, that report still has the inaccurate disputed information on there still showing the same. I notice between both reports you are furnishing there are alot of differences for this one single account. I need you to explain how you continuously verify my account as accurate but the info you are furnishing XXXX and XXXX are COMPLETELY DIFFERENT! For starters you removed my pay history chart from fico that was wrong and there is no accurate validation of any latenesses now, yet you have it notated I have a 30 and 60 day late on that same XXXX report. On XXXX XXXX I have no lates at all. On your own website you have me late on the payment history chart, but for months I wasn't even late ( reasoning you removed the other pay chart from XXXX ). That's three different reports you are furnishing and all completely different.Which one is it? I'm highly confused. You removed alot of inaccuracies from my fico report but you left it on my report on your own site and you falsified my report by adding false, nonfactual information for lenders and such to see. Also the payments I made are still not reflected and you have them notated as {$0.00}, you left this as {$0.00} on my report when i know XXXX furnished you the information they sent to me. Which is funny because i stated from my second dispute about this because i already had this info from my bank statements and XXXX agreed I made the minimal payments.I understand mistakes happen and I appreciate you trying to initially rectify the situation but your making my inaccurate account even more so then before my opening dispute! The reasoning for my disdain, ire and frustrations in this whole process.You also have me going through all these disputes, you blamed the data reporting on XXXX, they deferred it to you as you are the one reporting this info continuously and falsified it further. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnishers of that information that the information has been modified or deleted from the file of the consumer. Please remove this account from my report, by this law a deletion is well overdue after your three reinvestigations and STILL have not reported the information 100 % accurately, but you have made it worst following your completed investigations. Rectify my credit report and remove this account immediately. Thank you, have a good day!