Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is a follow-up related to CFPB COMPLAINT ID XXXX. I realize the game is rigged against consumers and that is why I continue to fight consumer abuse whenever I am victimized by it. In XX/XX/XXXX, I filed this complaint because the three credit bureaus, XXXX XXXX, and XXXX XXXX XXXX continues to periodically report an incorrect {$650.00} charge-off balance for an old XXXX XXXX account XXXX The information is incorrect because I was a XXXX XXXX customer for approximately ten years. Around XX/XX/XXXX, after moving from Missouri XXXX, TX to XXXX, TX, I decided to purchase a XXXX tablet for my grandson, who was only XXXX XXXX XXXX at the time. I purchased the tablet from a XXXX XXXX located in The XXXX XXXX at XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, because, as we passed the XXXX my grandson saw the tablet and asked for it. The young salesman helped me purchase the XXXX and set it up. At the time, I paid around {$250.00} for the tablet. In XX/XX/XXXX, I received a bill from XXXX that included a $ XXXX charge for setting up and activating a cell phone number I did not recognize. After speaking with XXXX customer service, I was told the charge was for the cell number assigned to the tablet. I told them it was not my intent to purchase a second cell number for a XXXX. The representative told me to go back to the kiosk and tell them to correct the mistake, which I did. When the salesman 's manager called XXXX on my behalf in my presence, the XXXX representative, he talked to told him they would cancel the cell number assigned to the table and correct my billing. XXXX XXXX repeatedly refused to correct the tablet cell number 's activation charges over the next two months, which had never been used since I did not know it existed. Finally, since my XXXX agreement with XXXX XXXX expired in XX/XX/XXXX, I changed my wireless carrier to XXXX XXXX in XX/XX/XXXX while still disputing the new cell number 's activation charges XXXX XXXX XXXX XXXX was unable to resolve the matter with XXXX to take advantage of a {$250.00} XXXX account transfer credit. I discovered in XXXX that not only had XXXX XXXX reported a collection account with the three major credit bureaus, but the company also reported that they charged an unpaid bill for {$650.00}. I contacted the credit bureaus and disputed the reporting. I was told an investigation would be initiated, but the derogatory item is still on my credit reports. I hired a credit repair service to help me fight the matter in XXXX and XXXX refused to correct the erroneous credit reporting despite repeated demands for proof of debt. To this date, this matter remains unresolved. The matter had not been resolved to this date. The credit bureaus are not reporting this as a disputed account. I was repeatedly referred to XXXX XXXX regarding the matter since they were reporting the charge off as valid and correct. I reviewed my XXXX XXXX XXXX XXXX report on XX/XX/XXXX, and again on XX/XX/XXXX. I discovered that, once again, you are reporting that XXXX XXXX assigned my account to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN, XXXX, who began reporting the disputed unverified and contested debt as a new charge-off on XX/XX/XXXX. I also learned my credit score had declined by over XXXX points because of this incorrect information. I consider this a violation of the Fair Credit Reporting Act. I feel no choice but to request a formal inquiry into XXXX XXXX, XXXX XXXX XXXX, and Transunion Credit Reporting bureau 's recurring violations of consumer protection law. I request this investigation include requiring XXXX XXXX to produce evidence of the alleged debt including copies of all monthly wireless cell bills for XXXX between XX/XX/XXXX ( when I was in good standing and current on my bills ) and XX/XX/XXXX when XXXX XXXX claims I incurred the {$650.00} after I changed wireless service providers.