Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Dear CFPB, To make things easier to follow or to find please print out the table of contents on page 501. 

In my dealings with Trans Union while trying to fix my own credit these are multiple violations, errors and mishaps I have noticed, most stemming from my beginnings of trying to fix my own credit starting in XX/XX/2021. Furthermore, these violations are re-occurring each and every month that I dispute these accounts. How can this be allowed? All of these inaccuracies and violations are shown quite clearly from my XXXX XXXX Credit Reports dated XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. These violations, errors and mishaps can also be seen in the investigation reports from Trans Union. 

Furthermore, in each and every investigation report from Trans Union dated XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021 Trans Union states on their report that We investigated the following information you disputed and updated. NOT SPECIFIED. This is how this item appears on your credit report following our investigation. First what is not specified, I told them and you can see by all my letters to delete this account for violation or inaccuracy, what is not specified, do they not know what delete means? Secondly, what has been updated? If you look at all the credit reports and all the investigation reports, all the accounts and their pertaining information is exactly the same in each report so what did they update? To me this is just a blatant attack and excuse for Trans Union not to do their work. How do they get away with this? Are they not being monitored and kept in check? 

Finally what really got me upset and furious with Trans Union is when I received the investigation report dated XX/XX/2021 and noticed that they ( Trans Union ) went ahead without my knowledge and disputed my current bank mortgage account with XXXX XXXX  ( its the first violation noted below ). What gives them the right to dispute an account I never told them to? Do they think they can do whatever they want, delete what accounts they want to delete and keep only the derogatory ones? This is beyond a shadow of a doubt a blatant and malicious attack on my credit, myself, my livelihood and my family. They can not get away with this and I wont let them. Are you really for the consumers then please help me rectify this now by deleting all of these accounts that I have been disputing since XX/XX/2021 and fine Trans Union heavenly. 

The following list of accounts are what the below violations are in reference to and can be found within these accounts. Delete these accounts for multiple violations : DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX XXXX {$3100.00} DEPTEDXXXX  XXXX {$4000.00} DEPTEDXXXX XXXX {$2000.00} DEPTEDXXXX  XXXX {$6000.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$5500.00} DEPTEDXXXX XXXX {$5200.00} DEPTEDXXXX  XXXX {$1500.00} DEPTEDXXXX  XXXX {$2000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX The following is a list of violations, errors  and mishaps done by Trans Union : Maliciously and blatantly attacking my XXXXredit score and my livelihood by disputing an account that I NEVER asked to be disputed! See page 223 from Trans Union investigation report dated XX/XX/2021 : account XXXX XXXX  account number # XXXX ) Failing to enter the required notice of dispute in the comment section. I am showing these in the below section pages 43 - 50, highlighted in gold. 
Failing to complete or do an investigation by examining the date last reported date. I am showing these in the below pages 43 - 50, highlighted in yellow. 
Failure to update or delete ( I chose delete ) inaccurate, incomplete, erroneous and just outright wrong data even after I pointed it out to them multiple times ( see Trans Union Investigations Reports dated XX/XX/XXXX pages 254 275, XX/XX/XXXXpages 245 253,XX/XX/XXXX pages 237 244, XX/XX/XXXX pages XXXX XXXX and XX/XX/2021. 
Deleting positive accounts while leaving negative ones in my credit report. ( They deleted XXXX old XXXX XXXX accounts the were showing current and paid but left all the other ones that had late payments ). XXXX XXXX accounts can be seen on pages XXXX XXXX, XXXX XXXX and XXXX XXXX then those accounts are gone on pages XXXX XXXX from XXXX XXXX Report dated XX/XX/2021. 
Missing new creditor or owner information on accounts that were transferred ( most of my old paid off student loans ) .I am showing these in the below pages XXXX - XXXX, highlighted in light orange 1. 
Verifying accounts as accurate when there was never any investigation done and no I am not including E-Oscar as a legitimate investigation method. I am showing these in the below pages 43 - 50, highlighted in yellow. 
Failing to provide method of verification and other documents when I asked for them to dispute with the original creditors see pages 51 - 54. 
Failing to complete an investigation in the 30 day time frame ( this was more prevalent in the earlier months of XXXX and XX/XX/2021 ). 
On my credit report there are some accounts that, seems to me, are under attack from the bureaus. I am referring to the credit cards where they dont put in any high credit value but rather state in the comment section XXXX is the limit. Is this a blatant and malicious attack on my credit score? 
There are multiple date last active dates on some of the accounts see pages 43 - 50, highlighted in light indigo 2. 
There are many many inaccuracies in my reports ranging from XXXX or XXXX different open dates all the way to having one month say its paid on time and the very next month be 90 days late ( see pages 43 50 highlighted with light yellow 2 ) plus a whole lot more that has been brought up to Trans Union by me in my disputes. 
Reporting incorrect and inaccurate data / information even after I showed them all the errors in my numerous disputes ( this is seen on all my accounts listed below for example missing date of last payment highlighted in light gray 1, see all my letters on pages 4- 42 and 51-109. 
Failing to re-investigate an account ( not by using E-Oscar ) when asked while providing new and relevant information. I had asked for an independent investigation but received the same results verified as accurate but the date last reported didnt show any change from previous date last reported. Enclosed please find a letter from XXXX XXXX where they state they received a XXXX digit code generated by E-Oscar from the bureaus asking to verify my information and account pages 115-121. Didnt Congress state in a lawsuit that E-Oscar isnt considered to be an in depth and thorough investigation? 
Re-insertion of an account specifically the account of XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX see pages 4-8 and 110-114. 
Ignoring investigation requests see pages 43-50 and 115-121. 
Willfully and recklessly reporting false information after being told of the inaccurate and erroneous information and failing to investigate and/or correct or delete information see this whole document. 



Thank you in advance for taking the time to read my complaint and for any help that you can offer me in this really frustrating and troubled time. 


XXXX XXXX XXXX XXXX CC : Missouri Attorney General XXXX XXXX