TransUnion Credit Reporting Complaint

TransUnion Credit reporting department,

Credit reporting company's investigation No notice of investigation status/result West Virginia

According to the Fair Credit Reporting Act ( FCRA ) the consumer reporting companies role is to review the accuracy and completeness of any dispute by contacting the source - creditor/s - and to inform the creditor/s of all relevant information regarding consumer 's dispute. For over one year I have asked why the - - Account is being reported as an adverse account or an account that may be considered negative. The credit agencies have failed to address this very issue. The only responses received from the credit agencies are that the - - account is being reported accurately. I have written letters to - - asking why account is being reported as an adverse account or an account that may be considered negative. - - concluded that they have certified that account is reported accurately as open/current with no delinquencies. A letter from - - stated that their responsibility to their customers is to report accurate payment history and that they have no control over how the information is interpreted by the credit agencies. Why are the credit agencies insist on reporting - - Account as an adverse account or an account that may be considered negative? These credit agencies have yet to address why account is being reported in this manner. Reporting account as an adverse/account that may be considered negative is having a negative impact on credit scores. Items found under accounts that may be considered negative include late payments, charged off or sent to collections, bankruptcies, liens and judgments or account that are not necessarily negative, but that a potential creditor might want to review more closely. - - account does not fit any of these categories.