Consumer complaint received 2024-04-23
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. (CA)

On XX/XX/2024, I wrote a dispute letter to Transunion and requested for them to investigate information because I believe the information is being reported inaccurately on my credit report. In my letter I wrote specifically I am disputing the inaccurate information and not if the debt belongs to me. ( see attached letter ) I sent this letter certified mail. ( see attached receipt ) On XX/XX/2024, I received a letter from Transunion with the investigation results. Again, I was not satisfied with the results. Reason being is because I was not DISPUTING IF THE DEBT BELONGED TO ME. And my letter did not say I am disputing the debt isn't mine. 
Transunion investigation results were VERIFIED and NO CHANGE NEEDED : The disputed item ( s ) was verified as belonging to you. No change was made to the item ( s ) based on your dispute. ( see attached results ). That is all they sent. They did not send any information I requested in my dispute. 
I have disputed this creditor with Transunion and XXXX multiple times, and I get the same results. I've spoken to XXXX, and they give me the run around and say they can not change the information because it was charged off. I went over the dates with XXXX at XXXX and the dates given are different from what is being reported. I spoke to XXXX in charge off department she said I must talk to the fraud and dispute department and they yet to call back. I spoke to XXXX at XXXX she said she will email the fraud and dispute department but wouldn't give me their number or transfer me because they don't take calls. I been calling for 2 years and writing Transunion for 2 years. The dispute investigation results are all the same " VERIFIED and NO CHANGE NEEDED : The disputed item ( s ) was verified as belonging to you. No change was made to the item ( s ) based on your dispute. ( see attached results ) ''. 
After reviewing my documents, you will see what my dispute is for, and it is not what they keep sending me. I am not disputing if the debt is mine or not. I am disputing the inaccurate information Transunion is reporting. They also told me that they do not have to send me any documents of their investigation and that the investigation is done. The information that is being reported with the XXXX is hindering my life because it is a negative mark on my credit report. This credit card was a secured card that I paid XXXX I owed XXXX XXXX when XXXX came XXXX told me I was ok and that it would not report negative on my credit report because I was covered by their XXXX XXXX XXXXXXXX XXXX They ended up charging me XXXX in late payments fees. When I called XXXX, they said they were not aware of the program their company had during XXXX but it has been all over the news and internet that such program did exist. I have been disputing this with XXXX and Transunion and they both point fingers and give me the run around. I have researched my rights and I feel they are violating them by not investigating my dispute properly and accurately.