Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion Credit report shows Payment History XXXX XXXX is defined as current/Terms met. 
TransUnion Credit report The Date of 1st delinquency/ Major date delinquency reported is absent from the report or investigation results. It lists date of Last Payment made ; Payment received Date closed. 
Transunion report suggests the Date of 1st Delinquency is the same as date Last Payment was made. 
TransUnion knows the Furnisher must report the date of delinquency to the CRA within 90 days. The date of delinquency is the month and year the consumer 's delinquency resulting in the referral began, FCRA 623 ( a ) ( 5 ) ( A ). If the CRA shows Updated, what was the original date the furnisher provided this information.? 
TransUnion is aware, the date that the creditor places the account for collection is not the basis for calculating the delinquency date. The collection date is calculated based on the consumers delinquency, not the creditors later actions. 
Transunion XXXX XXXX # XXXX shows XX/XX/XXXX as Last Payment made, no other dates are listed. There were no subsequent payments made after that date, even though the report shows ok. 
Transunion was asked to provide the documentation to support the payment and failed to provide them. 
Transunion is notified of the data used in XXXX, from the data furnisher. 
TransUnion/ XXXX XXXX dispute process uses the XXXX system when It is an indirect dispute. 
TransUnion was notified via XXXX when the other Credit reporting Agencies remove/deleted the tradeline in dispute. ( Automated Universal Data form ( AUD ). r. Once the AUD has been prepared the furnishing party sends it using XXXX  to all the credit bureaus. 
Transunion awareness of any removed/deleted Tradelines by other CRA ( XXXX ) calls in to question the validity of the Furnishers data. With the knowledge prior to removal/deletion the procedures used ( AUD ) from the Furnisher. 

TransUnion credit file omits information from the furnisher indicating it was a direct dispute by from Once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. F

CRA 623 ( a ) ( 3 ) on direct disputes. Transunion credit file allows for furnishers to re-age accounts based on codes they supply. Without Date of 1st Delinquency or Date Major Delinquency reported a c
onsumer can not dispute the validity. Furnishers can state an account is current simply using ok/check mark, then place the account in default. 
Transunion Credit report Rating may show the status of Ok or a check mark indicating current/terms met. However Trans Union will not provide in a dispute who/how it was determined the account was current and request .They only respond based on the codes the data furnisher used in XXXX. Ok suggest an account current indicates that XXXX addressed any past due balances, and your account is now up to date. 
This is evidenced by Credit Report ( XX/XX/XXXX ) shows Furnisher listed inconsistent dates as to when account would be removed from credit file. Credit tradeline shows exact same dates on all accounts, but Furnisher is allowed to adjust at will. The credit reports the same activity on all accounts, ( ( date from dispute in XXXX # to remain until XXXX other says tor remain until XXXX ) .When a dispute if filed, the dates get changed. 

Most notably, the appellate court further held that completeness or accuracy of the XXXX responses is determined based on objective review of the information provided by the data furnisher to the CRA, rather than the CRAs subjective interpretation of that data or the consumer report generated by the CRA in response to receiving the data furnishers information in an XXXX. 

TransUnion report does not show any indication of a dispute by the consumer. 605A - 15 U.S.C. 1681c. the consumer reporting agency shall, in any subsequent report containing the information in question, clearly note that it is disputed by the consumer and provide either the con summers statement or a clear and accurate codification or summary thereof. 

Transunion knowledge the XXXX had a claim in a XXXX  XXXX, continues to allow the reporting of information that is more than seven years old. Accounts that were current prior to the bankruptcy filing will remain on the report for seven years. This is based on date of last payment on credit report sent by Data Furnisher. 

A recent case in the XXXX XXXX XXXX Minnesota [ XXXX ] helpfully confirmed that although consumer reporting agencies ( CRAs ) are required by the Fair Credit Reporting Act ( FCRA ) to ensure that the consumer reports are accurate, they are not obligated to include information on all ( or any ) credit accounts ( or tradelines ) relating to a consumer. 

TransUnion knew in the dispute process if a consumer requested the Financial institute to remove a default. however TransUnion just report the item has been verified as accurate. takes no other actions. 

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agenciesText contains those laws in effect on XX/XX/XXXX Rehabilitation of private education loans ( i ) In general Notwithstanding any other provision of this section, a consumer may request a financial institution to remove from a consumer report a reported default regarding a private XXXX  loan, and such information shall not be considered inaccurate, if- ( I ) the financial institution chooses to offer a loan rehabilitation program which includes, without limitation, a requirement of the consumer to make consecutive on-time monthly payments in a number that demonstrates, in the assessment of the financial institution offering the loan rehabilitation program, a renewed ability and willingness to repay the loan ; and ( II ) the requirements of the loan rehabilitation program described in subclause ( I ) are successfully met. 
The Data Furnisher choose not to offer a loan rehabilitation program as described. Letter states will no longer be eligible/ required to repay the current balance immediately instead of monthly payment 's. disabled the account.

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