Consumer complaint received 2024-10-25 00:00:00
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.
State: CA

Complaint narrative:
first letter was sent on XX/XX/year> explaining all the errors with pictures of the highlighted and circled in red errors on my consumer report a generic response was sent back too me and the errors continued to be furnished on my consumer reports. thus damaging my credit and damaging my character. they are also in violation of the fcra. 1. failure to investigate or re-investigate inaccuracies as required by 15 USC 1681i. 2. failure to provide verification of disputed accounts as required by 15 use 1681s-2. a second letter was sent on XX/XX/year> outlining the continued errors with inaccuracies highlighted and circled in red but the continued errors continue to damage my credit report. I further escalate and request monetary relief for such continued violations against this credit bureau. these are still the continued errors still being furnished as of today XX/XX/year> : TransUnion Report : Open Accounts : XXXX. XXXX : * Inaccuracy : Balance reported as {$0.00}, but payment history reporting is inconsistent compared to other bureaus. Missing monthly updates for most of 2024 ( Transunion XXXX XXXX ) ( XXXX XXXX XXXX ). 
* Incomplete Data : There is limited payment history in TransUnion compared to other bureaus ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ). 
XXXX. XXXX XXXX XXXX ( Credit Card & Installment Loan ) : * Inaccuracy : TransUnion reports a {$39.00} balance for the credit card account and a {$240.00} balance for the installment account, but lists both as " 30 days past due. '' * Error : Payment history is not reflected for some months, and the account status is reported differently in XXXX and XXXX ( Transunion XXXX XXXX ) ( XXXX XXXX XXXX ). 
XXXX. XXXX XXXX XXXX XXXX : * Inaccuracy : TransUnion lists the account as having a credit usage of 110 %, while XXXX shows 102 %. The account is still open, and monthly payments differ between reports. 
* Error : Balance and payment history are reported differently ( XXXX XXXX XXXX ) ( Transunion XXXX XXXX ). 
XXXX Accounts : XXXX. XXXX XXXX XXXX XXXX : * Inaccuracy : TransUnion reports a charge-off with a balance of {$27000.00}, while XXXX and XXXX show XXXX balances and charge-off dates. 
* Error : Past due amounts differ, and the charge-off dates are inconsistent ( equifax XXXX XXXX ) XXXX Transunion XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX 
XXXX XXXX XXXX XXXX XXXX * Inaccuracy : TransUnion shows one late payment in XX/XX/year>, but the other reports don't reflect this consistently. The status should be reviewed to ensure accuracy across bureaus ( Transunion XXXX XXXX ) ( XXXX XXXX XXXX ). 
* Incomplete Data : TransUnion does not include as much payment history detail compared to other bureaus ( Transunion XXXX XXXX ). 
XXXX. XXXX XXXX : * Inaccuracy : TransUnion shows a charge-off balance of {$1900.00} but lists no detailed payment history for most of 2024 ( XXXX XXXX XXXX ) XXXX Transunion XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX 
* Error : Inconsistent reporting of charge-off dates across reports ( equifax XXXX XXXX ) XXXX Transunion XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX 

each company listed above has also been notified 3 different times and if these accounts are deleted at this point I will have no other choice but to pursue litigation for the continued violations stated above for continued months!

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