Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I trust this letter finds you well. I am writing to express my continued frustration and dissatisfaction regarding the unresolved issues related to both a persistently late open account and an inaccurate late closed entry on my credit file. Despite numerous attempts on my part, these issues persist, causing significant distress and harm to my credit standing. 

I have diligently pursued the correction of these entries through multiple attempts, as outlined below Initiated contact with your customer service department to address the late open account issue. 
Follow-up communication after the initial inquiry did not yield a satisfactory resolution. 
Submitted written documentation and evidence to demonstrate the discrepancy in the open account. 


Reported the inaccurately labeled late closed entry on my credit file to your institution. 
Submitted a formal written complaint, including comprehensive documentation and evidence supporting the inaccurate nature of the late closed entry. 
Engaged in follow-up communication, providing any additional information requested and cooperating fully in the investigation process. 
Despite these concerted efforts, both issues remain unresolved, adversely affecting my creditworthiness and financial standing. This situation is not only causing significant inconvenience but also eroding my confidence in the accuracy and reliability of the information on my credit file. 

I implore you to conduct a thorough and expedited investigation into both matters and take immediate action to correct the late open account and remove the inaccurately labeled late closed entry from my credit file. Additionally, I request transparent communication regarding the steps your institution is taking to prevent similar incidents in the future. 

If these matters are not addressed satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issues to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to correct these late open account and remove the late closed accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$320.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly.

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