Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing a complaint regarding inaccurate reporting of several accounts on my credit reports across the major credit bureaus ( XXXX, TransUnion, and XXXX ). These discrepancies violate multiple sections of the Fair Credit Reporting Act ( FCRA ), including the use of incorrect or different account numbers across bureaus, and I request an immediate investigation and deletion/correction of these issues. 

XXXX XXXX XXXX : No notice of dispute on XXXX, in violation of FCRA Section 623 ( a ) ( 3 ). 
Incorrect dates last active : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for XX/XX/XXXX on XXXX. 
XXXX XXXX : No notice of dispute, no response, violating FCRA Section 623 ( a ) ( 3 ). 
XXXX XXXX XXXX XXXX No notice of dispute, no response, in violation of FCRA Section 623 ( a ) ( 3 ). 
Incorrect dates last active : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
TransUnion is OK, but XXXX and XXXX show 30 days late for XX/XX/XXXX, with TransUnion reporting 30 days late, while XXXX and XXXX are OK. How is that accurate? How can I be late and on time in the same month? 

Guaranteed Rate/Dovenmuehle : No notice of dispute, no response, violating FCRA Section 623 ( a ) ( 3 ). 
XX/XX/XXXX : XXXX shows 30 days late, while other bureaus do not report. 
Incorrect dates last active : XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX : No notice of dispute, no response. 
Incorrect dates last active : XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX : No response, no notice of dispute, violating FCRA XXXX XXXX ( a ) ( XXXX ). 
Incorrect dates last active : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XX/XX/XXXX : XXXX shows 30 days late, XXXX is OK. 
XXXX XXXX : No notice of dispute, no response, violating FCRA Section XXXX XXXX a ) ( XXXX ). 
XXXX XXXX : No notice of dispute, no response. 
Account has been re-aged. 
Incorrect dates last active : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXXXXXX : Requested proof of being late 30, 60, or 90 days prior to 120 days, but no proof was provided. Requested the account be updated to paid and never late. 
XXXX Bank XXXX Incorrect dates last active : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : No notice of dispute, no response. account has been severely re-aged by almost 4 years! 
Incorrect dates last active : XXXX : XX/XX/XXXX, TransUnion : XX/XX/XXXX. 
XXXX XXXX XXXX : No notice of dispute, no response. 
Incorrect dates last active : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XXXX No notice of dispute, no response. 
Dates last active are incorrect, and the account has been re-aged : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XXXX XXXX : No notice of dispute for XXXX and XXXX. 
Incorrect dates last active : XX/XX/XXXX, XX/XX/XXXX ; account has been re-aged. 
Different account numbers used across credit reports, violating FCRA Section 607 ( b ), which requires accurate reporting of information. 
XXXX XXXX XXXX : No notice of dispute for TransUnion and XXXX. 
Incorrect dates last active : XX/XX/XXXX, XX/XX/XXXX ; account has been re-aged. 
StateCU : No notice of dispute for TransUnion. 
Same account reported under different account numbers across bureaus, violating FCRA Section 607 ( b ).

Account has been re-aged. 
XXXX XXXX XXXX ( Original Creditor : XXXX Loan ) : No notice of dispute for XXXX, account has been re-aged. 
Incorrect dates last active : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX SunUp Financial ) : No notice of dispute, account has been re-aged. 
Incorrect dates last active : XX/XX/XXXX, XX/XX/XXXX. 

ALMOST ALL OF THESE ACCOUNTS HAVE BEEN RE-AGED! NONE OF THEM SHOWED A NOTICE OF DISPUTE! THEY ALL NEED TO BE DELETED. NO RESPOSE WAS EVER RECEIVED IN 30 DAYS OR OTHERWISE! STOP PLAYING GAMES WITH THE AMERICAN CONSUMERS!! 

Please find attached screenshots of my credit reports from XXXX, TransUnion, and XXXX, highlighting the discrepancies, as well as any correspondence related to disputes Ive filed directly with the credit bureaus and creditors. my report is from XX/XX/XXXX

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