Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I reviewed my Consumer Reports on XX/XX/XXXX and noticed that there was an inaccurate account on my credit report. On XX/XX/XXXX I sent a dispute to Transunion asking them to investigate this account : XXXX XXXX XXXX XXXX 

On XX/XX/XXXX they responded saying they verified the account. I looked at my report and noticed everything is still the same. 

According to 15 U.S.C. 1681 ( I ) they're supposed to update, modify or delete the account. 
According to 15 U.S.C. 1681 E B they're supposed to insure Maximum Possible Accuracy. 
" A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSES TO BELIEVE THE INFORMATION IS INACCURATE. '' And according to 15 USC 1681i 5 they are supposed to do this ( 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 furnisher of that information that the information has been modified or deleted from the file of the consumer. 

When a company verifies an account they are supposed to report it as verified and remove the " dispute in progress '' remark. If this account was disputed in XX/XX/XXXX and verified on XX/XX/XXXX, why is the " last reported '' date say XX/XX/XXXX. This is because they never actually opened up an investigation into the account. This is directly a violation of the FCRA. 

Not only did they lie about investigating the account in accordance to the FCRA, this account on TRANSUNION is full of blatant inaccuracies and contradicts itself. Not only does it contradict itself, it contradicts the same accounts information that is correct on XXXX and XXXX : -The payment history for this account on TRANSUNION is not accurate according to the other Credit Bureaus . On TransUnion it shows XXXX XXXX of payments were on time. On the other bureaus it shows XXXX XXXX of payments were on time. Also on TRANSUNION it shows the last payment was made on XX/XX/XXXX while on XXXX it shows the last payment was on XX/XX/XXXX. Now if TransUnion wouldn't have lied and said they investigated and actually updated the account AS THE FCRA REQUIRES, they would know this. TRANSUNION can't be correct because it is directly in conflict with XXXX and XXXX. This falls on TRANSUNION and their information is inaccurate. 

TransUnion really did not do an investigation into the account. They lied on an official document saying they did something but they actually didn't.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief