Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
I sent a letter to TransUnion asking them to reinvestigate these accounts : XXXX XXXX # XXXX .They sent me their investigation and said these accounts are complete and accurate. 1-I have never been late with the payments XXXX XXXX company is lying.I had attach the evidence that every time I dispute this information XXXX XXXX XXXX moving the late payments date again and again. XXXX XXXX is reporting my account as a shared responsibility with XXXX XXXX XXXX XXXX who did not have a SSN and never live in the USA because she enter first time to XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX was opened at XXXX an I had attached official documentation that proof it. XXXX XXXX requested to the report agency to remove the account information in XXXX XXXX XXXX credit report and although I dispute this inaccurate information in my credit report XXXX XXXX update keeping the same information in my report, then they report different in a join account ( 2 COSTOMERS, SAME ACCOUNT, DIFERENT REPORT ). I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose 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 ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. TransUnion really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case.Please check the documentation added.

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