Consumer complaint received 2024-02-04 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: TN

Complaint narrative:
I opened a XXXX XXXX Account with {$1500.00} limit on XX/XX/XXXX. I experienced no problems. I received a notice on XX/XX/XXXX that XXXX was transferring the account from XXXX to XXXX XXXX XXXX. This transfer was to occur as of XX/XX/XXXX. 
XXXX and XXXX XXXX XXXX  reported the account to credit reporting agencies for months. I attempted to rectify the issue with no success. Additionally, XXXX XXXX XXXX  is reporting erroneous information. 
I attempted to correct the issues directly with XXXX, XXXX XXXX XXXX  and XXXX XXXX to no avail. 
XXXX and XXXX are no longer reporting the XXXX account. I disputed the information with Transunion requesting the duplicate reporting cease. I received a response on XX/XX/XXXX indicating INVESTIGATION RESULTS- VERIFIED and UPDATED : The disputed item ( s ) was verified as belonging to you and information has changed or been updated to reflect recent activity. 
There is no way this could be true. Therefore, I sent a letter more fully explaining the error to Transunion and requesting the method of verification under FCRA Section XXXX ( a ). 
I received a response again stating that INVESTIGATION RESULTS - VERIFIED AS ACCURATE and UPDATED : The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed. regarding information reported by XXXX. Transunion indicated INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed. regarding the information reported by XXXX XXXX XXXX. 
Transunion provided no information or documentation responsive to my request about the method of investigation as required by federal law. 
The following errors still exist on Transunion reports : XXXX. The same account is being reported as XXXX XXXX XXXX XXXX XXXX and XXXX 
XXXX. Both accounts have erroneous information. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  reflects the following erroneous information : i. Balance of {$1300.00} XXXX. Last payment of {$500.00} on XX/XX/XXXX bXXXX XXXX reflects XXXX following erroneous information : XXXX XXXX XXXX - 30 days late XXXX. XX/XX/XXXX - 30 days late I also disagree with the late payments reported by both in XX/XX/XXXX and XX/XX/XXXX. I am obtaining the supporting documentation to further dispute this as well. 
XXXX XXXX XXXX  is also reflecting my account as having no available credit ; however, the balance owed on the account is currently reflected as {$450.00} with a {$1500.00} credit limit. The response to my inquiry was some nonsense about me placing a cease-and-desist notice on my account in XX/XX/XXXX. All requests for proof of this are ignored. 
This is severely damaging my financial stability and resulted in the denial of credit.

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