Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am writing to formally dispute the accuracy of certain information on my TransUnion credit report, as well as to express my concerns regarding TransUnion 's failure to respond to my initial contact on XX/XX/XXXX. As a responsible consumer, I believe that TransUnion is bound by federal laws and regulations, including the Fair Credit Reporting Act ( FCRA ), to ensure the accuracy of the information reported on my credit profile. 
On XX/XX/XXXX, I contacted TransUnion to address the following inaccuracies on my credit report, and as of today, I have not received a response. The details of the incorrect information and the required corrections are as follows : The following account was never late : Creditor : XXXX  Account # : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$16000.00} Please correct/update this inaccurate information on my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$3500.00} Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$2000.00} Please remove it from my credit report. 


The information indicated on the XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) is imprecise. The Balance of {$390.00} that you state for this account is higher than the amount that I remember. You should remove the amount indicated in the Past Due section because this account has a closed and charged-off status. I plan to have a conversation with the creditor of this account to clarify all of the reported data. Until the appropriate corrections are made, please mark this account as disputed. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$3500.00} Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$6000.00} Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$2000.00} Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$4500.00} Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$2000.00} Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$5500.00} 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