Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I am writing to formally register a complaint with the Consumer Financial Protection Bureau regarding TransUnion 's failure to address and rectify inaccuracies on my credit report. I initiated contact with TransUnion on XX/XX/XXXX, to address the discrepancies outlined below. Despite the passage of time, I have not received any form of response or resolution from TransUnion. The subsequent details outline the specific erroneous information and the necessary remedial actions : 1. Account Details : Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} I hereby assert that the XXXX XXXX XXXX  account, identified by account number XXXX, which was initiated on XX/XX/XXXX, has never been late. It is evident that the information regarding this account on my credit report is inaccurate and misleading. I am formally requesting that TransUnion promptly corrects and updates this account 's information to reflect its accurate status. 


2. XXXX  Account ( Date Opened : XX/XX/XXXX, Balance : {$810.00} ) : I dispute the reporting of the XXXX account due to discrepancies in the reported balance. The balance of {$810.00} is contested as I distinctly recall it being a lower amount. Furthermore, I request the removal of the Past Due amount, as this account is both closed and charged-off. In light of the potential impact on my credit score, I kindly ask TransUnion to mark this account as disputed until its accuracy is verified. 


3. XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) : The reported information for the XXXX account is incorrect and is adversely affecting my credit reputation. The balance of {$1900.00} provided by your agency differs significantly from my recollection. I request the correction of the Past Due information, as it is inappropriate for a closed and charged-off account. As this discrepancy has negatively impacted my credit score, I am compelled to resolve it with the creditor. I kindly ask TransUnion to mark this account as disputed to prevent further damage to my credit standing. 


4. XXXX  Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} ) : I assert that the XXXX  account, associated with account number XXXX and established on XX/XX/XXXX, is not mine. I request the immediate removal of this inaccurate account entry from my credit report. 


5. XXXX  Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} ) : Similarly, I dispute the XXXX  account linked to account number XXXX, which was initiated on XX/XX/XXXX. This account is not mine, and I formally request its removal from my credit report. 


6. XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$2000.00} ) : The reported balance of {$2000.00} for the XXXX XXXX account is inaccurate. I contest this amount, and I dispute the inclusion of the Past Due information. This account has been closed and charged-off, rendering the Past Due information inappropriate. To ensure the accuracy of my credit score, I request TransUnion to mark this account as disputed until a resolution is achieved with the creditor. 


7. XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$260.00} ) : The reported balance of {$260.00} for the XXXX XXXX account is inaccurate, and I dispute the inclusion of the Past Due amount. Given that this account is closed and charged-off, the Past Due information should not be presented. I request TransUnion to mark this account as disputed while I engage in resolution discussions with the creditor. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account.

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