Consumer complaint received 2024-02-28
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. (MO)

XX/XX/XXXX TranUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Maam, I need my full file disclosure and I need you to only report Information that is 100 % accurate and complete on me. I do not want any incorrect, incomplete or misleading information on my report. 

Im disputing false or inaccurate information on my credit reports with you, and I want you to carefully re- investigate and delete all false, incomplete, outdated or unverified information. This will help make sure you only have my correct information and will make identity theft or a mixed file much less likely. So thank you for only having the following information on me. 
Here 's the only correct information that you should be listing. All other information needs to be deleted. 
My name is XXXX XXXX XXXX. My date of birth is XX/XX/XXXX. My social security number is XXXX. My phone # XXXX XXXX XXXX XXXX I am requesting that you and the furnishers do a full and thorough investigation of the following account that I am disputing after your reinvestigation. Please send this letter to the furnishers and I want you ( and each furnisher ) to do a proper investigation as required by law. To be clear, I am not asking you to ignore my letter or to send me silly form letters back refusing to investigate. Instead, I am asking you to take this very seriously as I take my credit reports very seriously. It is vital that I have accurate and complete credit reports with all information verified. 
On my reports, there is contradiction, incomplete and incorrect information that can not be verified. I dont know if this is because the furnishers, who are unreliable sources of information are giving you false information or whether you are doing a poor job of reporting the data. Either way now is your chance to do the right thing and it is now the opportunity for the furnishers to do the right thing. 
For each account I list, make the information 100 % complete and accurate ( and verifiable ) or delete the entire account. 
I am not asking you to investigate ( some ) of the accounts. I want you to investigate each and every account described below and investigate each and every error or missing information that I point out to you. And if there are errors or incomplete information im missing that you see, then correct them or delete the entire account. 
XXXX identify each account and specifically what I believe is wrong. I appreciate you properly investigating all the items Ive identified below. Fix each and every error ( including incomplete information ) on every account or delete all accounts that you will not correct. And make sure that you are not just hiding information from me. I want to see everything in my file disclosure and I want everything in my file to be 100 % accurate, complete and verifiable. Enclosed is my I.D ., proof of address and relevant pages from my credit report. 
Account name : XXXX XXXX Account # XXXX  This accounts payment history is inaccurate and misleading. It states that I was 30 days late on my payment in XXXX of XXXX, then I missed my XX/XX/XXXX payment which brought it to 60 days pass due which makes sense. But the following month which is XX/XX/XXXX it states that im 60 days late again, and the month after that it reads 30 days late. How can this possibly be accurate information? How did you miss this? Then it also states that the account was charged off in XXXX XXXX XXXX which should have ended any further activity on that account but I see that the account was updated as charged off every month after the initial charge off for the next 2 years. Every update makes the account appear newer than it is. Every time you update the acct. the statue of limitations is extended and re-aging the account is illegal. Also according to your investigation, the date the account was closed was XX/XX/XXXX but according to the payment history chart, XX/XX/XXXX it says I was 60 days past due. Which is it? I also noticed that under remarks it states the account was settled for less than full balance but under pay status it clearly says Account paid in full. There couldnt have been any investigation with this many errors still left on my report! So please reinvestigate this account! 
Finally, after XXXX completed your investigation. Please send me a copy of the investigative results and a complete copy of my complete file. I mean everything that you have on my in your file. I also want you to include the inquiries made ( hard and soft pulls ) with the reason for each inquiry and a copy of the certification made for each user of my report. Make sure that you give me everything that you have on me- do not leave anything out. As I understand under the FCRA that I am entitled to my full file disclosure. 
Please note that for every account that I have disputed, unless every piece of missing data is filled in and every inconsistency and every error is accurately fixed or the disputed accounts is deleted entirely, your investigation will not resolve my dispute as to that account. If that is the case, here is my XXXX XXXX word statement of dispute for each of the accounts that do not correct 100 % by making complete and accurate. 
Attention all readers of my credit report, I am writing to express extreme frustration with the inaccuracies and inconsistencies found on my credit reports. The information associated associated with the account being reported is incomplete, inconsistent and inaccurate. I have made a detailed written dispute to XXXXTrans Union and requested that they correct these errors, but XXXX XXXX/Trans Union have refused to correct these errors or delete the accounts . I urge anyone reading this report to disregard this account as it does not accurately reflect my credit history or standing and should not be on my report. 
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