Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
YOUR COMPLAINT Subject : Complaint against XXXX & XXXX ( Original Creditor : XXXX  ) - Account Name : XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding the account mentioned above. The account is marked as not satisfying XXXX on TransUnion and XXXX. It was opened on XX/XX/XXXX, with a balance of {$400.00} on TransUnion and {$410.00} on XXXX. The most recent activity on the account was on XX/XX/XXXX. Despite my requests, XXXX XXXX XXXX has failed to provide any evidence to support their claim of my liability for this debt. This refusal to provide necessary information violates 12 C.F.R 1026.36 ( f ), 15 USC 1692, and 12 CFR 1026.52 ( b ) ( 1 ) ( ii ) ( D ). I request an immediate update to my account status, reflecting the accurate information, and the permanent deletion of the account from my credit reports. This inaccurate reporting is unjustly tarnishing my credit profile and negatively impacting my creditworthiness. I kindly ask for your prompt resolution of this matter. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and take appropriate action against XXXX XXXX XXXX for their violation of consumer rights. I look forward to receiving a written confirmation of the resolution. ______________________________________________________ Subject : Complaint against XXXX & XXXX ( Original Creditor : XXXX  ) - Account Name : XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding the account mentioned above. After reviewing my credit report from TransUnion, I have identified several inaccuracies and non-compliance with XXXX XXXX guidelines regarding the XXXX XXXX accounts. The report lacks essential information such as the account status, monthly payment amount, and credit limit. Furthermore, I dispute the accuracy and ownership of the reported information. It has come to my attention that XXXX XXXX  XXXX contacted me using an incorrect address and name associated with the account, and they fraudulently requested updates/furnishing of information without my consent or prior notification. I request that TransUnion promptly investigate these discrepancies and take appropriate action, including the permanent removal of the XXXX XXXX account from my credit report. I am not liable for this account as per UCC 3-104 and UCC 3-419 . Additionally, I believe that the actions of XXXX and XXXX are in violation of 12 C.F.R 1026.36 ( f ), 15 USC 1692, and 12 CFR 1026.52 ( b ) ( 1 ) ( ii ) ( D ). I kindly request your immediate attention to this matter and the necessary steps to ensure the permanent deletion of the XXXX XXXX account from my credit report. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and take appropriate action against XXXX XXXX XXXX for their violation of consumer rights. I look forward to receiving a written confirmation of the resolution. Thank you for your attention to this matter ______________________________________________________ Subject : Formal Complaint - Account Name : XXXX Account Number : XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding the reporting of the account mentioned above. The account is inaccurately reported as " Charged off Account, charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. '' This incorrect reporting is misleading and damaging to my credit profile. According to the information provided, the account was opened on XX/XX/XXXX and closed by a third party, in violation of 12 CFR 1026.52 ( b ) ( 1 ) ( ii ) ( D ). It is important to note that the account has been closed for more than seven years. Despite this, it is still being reported with negative information that is not reflective of the current status of the account. I request an immediate update of the account status to " PAANL '' ( Paid as Agreed, Never Late ) or its deletion from my credit report. The incorrect reporting is in violation of regulatory guidelines and is adversely affecting my creditworthiness. This issue requires urgent attention to rectify the reporting error and ensure the accuracy of my credit information. I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes appropriate action to update or delete the account in question. I anticipate a prompt resolution and a written confirmation of the actions taken to rectify this situation. Thank you for your attention to this matter. ______________________________________________________ Subject : Formal Complaint - Account Name : XXXX XXXX, Account Number : XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding the reporting of the account mentioned above. Despite the account status indicating " PAID AS AGREED, '' there are XXXX late payments being reported. This discrepancy requires immediate attention to rectify the inaccurate reporting. " Paid as Agreed '' implies that there have been no late payments. However, the reporting shows multiple instances of late payments, which is incorrect. It is imperative to ensure the accuracy of my credit report, as it directly impacts my creditworthiness and financial standing. I kindly request a thorough investigation into this matter to rectify the discrepancy promptly. The account should be updated to accurately reflect the " PAID AS AGREED '' status, without any late payment history. Ensuring the accuracy of my credit report is of utmost importance, and I greatly appreciate your immediate attention to this matter. Please update the account status to reflect the correct information according to the terms of " PAID AS AGREED. '' I trust that the Consumer Financial Protection Bureau will conduct a diligent investigation and take appropriate action to rectify this reporting discrepancy. Thank you for your attention to this matter. I anticipate a prompt resolution and a written confirmation of the actions taken to rectify this situation. ______________________________________________________ XXXX XXXX XXXX XXXX Account # : XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the closure of my account by XXXX XXXX XXXX  XXXX without providing a concrete reason for the credit denial. The lack of explanation for the closure of my account and denial of credit may constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) guidelines. Account Information : XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX : XXXX XXXX : XXXX Issue : I believe that my rights under the FCRA have been taken advantage of, as XXXX XXXX XXXX  XXXX has failed to provide a clear and specific reason for the closure of my account and the denial of credit. This lack of transparency is concerning and may have negative implications on my creditworthiness. Request for Compensation : In light of these circumstances, I kindly request compensation for the closure of my account without a proper explanation or justification. I believe that appropriate compensation should be provided to remedy the inconvenience, potential damage to my credit profile, and any other negative consequences resulting from this credit denial. I appreciate your prompt attention to this matter and your assistance in ensuring that my rights under the FCRA are protected. I look forward to your investigation and a satisfactory resolution to this issue. Thank you for your time and consideration.

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