Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date, they have not responded. 
The information presented for the account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} ) is inaccurate. The original creditor on this account is a distinct company, XXXX XXXX, than the one you indicate. You present erroneous information about the Balance of {$1400.00}. You report a higher Balance than the amount I believe I owe. I dispute this account and request a verification of Date Opened and Date of First Delinquency. 
The information presented on the account XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$570.00} ) needs to be investigated. The original creditor is AT & T, but I have not been contacted by XXXX XXXX. The Balance amount of {$570.00} is inflated and inaccurate. I dispute this account and request a verification of Date Opened and Date of First Delinquency. 
The information presented for the account XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$300.00} ) is inaccurate. The original creditor for this account is XXXX XXXX XXXX, but I do not know the company stated on this account, XXXXXXXX XXXX, as I do not have any contract with them. The Balance of {$300.00} is not reported properly, as I recall the balance to be lower. I dispute this account and request a verification of Date Opened and Date of First Delinquency. 
I found inaccurate information in my credit report for the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$120.00} ) account. The original creditor is PROGRESSIVE, but I dont know the collection agency that you have reported, as I do not have any contract with them. The Balance of {$120.00} reported by you is inaccurate, as I believe it should be a lower amount. Additionally, you have reported a Balance that is higher than the High Balance on the same account, which proves the inaccuracy of your reporting. I dispute this account and request a verification of Date Opened and Date of First Delinquency. 
The information presented on XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} ) account is unknown to me, as I only have a contract with the original creditor, XXXX. The Balance of {$270.00} is higher than the amount I remember. This information is inaccurate, and I dispute this account. I request that you verify the Date Opened, Date of First Delinquency, Date of Status, and First Reported. 
The following account was never late : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$520.00} ). Please correct/update this inaccurate information on my credit report. 
The following account was never late : XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$320.00} ). Please correct/update this inaccurate information on my credit report. 
The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX  : {$11000.00} ). Please remove it from my credit report.

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