Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TransUnion XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, PA XXXX Subject : Dispute and Request for Correction of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Dear TransUnion Consumer Relations, I am writing to address significant errors on my credit report pertaining to the XXXX XXXX XXXX and XXXX XXXX XXXX accounts. These errors have resulted in misleading and inaccurate information on my credit profile, thereby damaging my credit history and financial reputation. 
Firstly, the XXXX XXXX XXXX account is incorrectly reported as " Open '' when it should be designated as " Charged Off. '' This misreporting violates the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( a ) ( 2 ) ( A ) and 623 ( a ) ( 2 ) ( A ). I demand the immediate removal of the XXXX XXXX XXXX account from my credit report to rectify this violation and restore the accuracy of my credit history. 
Additionally, the XXXX XXXX XXXX account is erroneously reported as " Deleted '' rather than reflecting its accurate status as " Closed. '' This incorrect reporting misrepresents my financial standing and violates the FCRA 's requirement for accurate and complete credit information. I request that TransUnion promptly correct this error and accurately report the XXXX XXXX XXXX account as " Closed '' on my credit report. 
I kindly request that TransUnion takes the following actions without delay : XXXX. Remove the XXXX XXXX XXXX account from my credit report entirely, as it has been falsely reported as " XXXX '' instead of the accurate designation of " Charged Off. '' XXXX. Rectify the reporting of the XXXX XXXX XXXX account, accurately reflecting its status as " Closed '' on my credit report. 
XXXX. Provide a written explanation of the steps taken to rectify these reporting errors and prevent such inaccuracies in the future. 
XXXX. Ensure that my credit report reflects an accurate representation of my financial history, with no misleading or false information. 
These errors have had a detrimental impact on my credit profile, impeding my financial prospects and causing undue distress. I expect a written response from TransUnion within 30 days of receiving this letter, confirming the removal of the XXXX XXXX XXXX account and the correction of the XXXX XXXX XXXX account on my credit report. 
Failure to address these disputes promptly and satisfactorily will leave me no choice but to seek legal remedies to rectify the violation of my rights as a consumer and ensure the accuracy of my credit information. 
Thank you for your immediate attention to this matter. I trust that TransUnion will act swiftly to correct these reporting errors and restore the accuracy and integrity of my credit report. 
Sincerely, XXXX

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