TransUnion Credit Reporting Complaint

TransUnion Credit reporting department,

Incorrect information on credit report Account status California

REGARDING -TRANSUNION DEROGATORY REPORTING - has refused to provide answers to questions requested by me and my attorney to support the reporting of derogatory information to -, - and Transunion regarding an alleged debt to my account. On or about - - unauthorized charges were made to my - - credit card ( by -. ) If - mailed statements they were sent to an incorrect mailing address. Additionally, any contact information - had on record, including my email, work address and phone number were incorrect as well. I discovered this in - - when I reviewed my credit report. I noticed - put derogatory remarks regarding late payments made to - on my -, - and Transunion credit reports. In response, on - -, -, I called - and spoke with their representative - and I explained


card. I provided - my current address and contact information as well as requested that my - account be cancelled. After we spoke about the balance on my card, - put me on hold and spoke with a supervisor. When he got back on line he told me my card would be cancelled and that all charges and late fees on my account would be removed. Since - is not a philanthropic organization I am sure they realized this situation was just a big mistake and not my fault so their reversing of all charges was the appropriate action to take. - of -, I filed a dispute with the - credit bureaus regarding the late payments reported by -. In my letter I explained to -, - and Transunion that - determined no legitimate charges were made, no balance was ever due and no payments were necessary or required. In my letter I asked -, - and Transunion to remove all derogatory reporting regarding late payments. I was surprised that in their response to my letter, dated - -, - ( Attachment # - ) - stated that the information reported to the credit agencies accurately reflects my account history and the reporting can not be changed. Again, On - -, - I sent another letter to -, -, - and Transunion. ( Attachment # - ) requesting - to explain how they can legitimately report late payments ( now 90 days ) to an account where all charges were reversed, no balance was due and no actual payments were ever made. In - response dated - -, - they stated that the information they reported to the credit agencies accurately reflects my account. Additionally, ( - ) did not provide the information I requested regarding how my account balance was reduced to - and how you can be late making a payment on a zero amount due. ( Attachment # - ). As a result of - refusal to provide verification of debt or how the balance due was paid, on - -, - my attorney - - - sent a letter to - and the credit bureaus. Requesting verification of all legitimate charges to my account and to verify the nature as to how the debt was satisfied. ( Attachment # - ) Again, - sent back a ( form letter ) reply dated - - -, stating that the information reported to the credit agencies accurately reflects my account history. - refused to answer any questions ask by my attorney - - did not verify the debt nor did they provide him the additional information sent to the credit bureaus in response to my dispute. ( See - # - - - - - Reply.