Consumer complaint received 2023-07-23
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 submit a formal complaint against TransUnion regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute certain information that I believe is erroneous. However, I have not received any response or resolution from TransUnion to date. The following are the details of the disputed accounts and the required corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Because of the incorrectly reported data, I request that TransUnion verifies the accuracy of the Balance of {$1000.00} for this account. I do not recall owing such a high amount, and the Past Due amount should not be provided for this closed and charged-off account. Please mark this account as disputed to prevent any further negative impact on my credit score. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} XXXX require TransUnion to verify the information reported for this account, as the Balance of {$330.00} is inaccurate in my recollection. The Past Due amount should not be presented for this closed and charged-off account. Kindly mark this account as disputed while I resolve my dispute with the creditor, so that it is not held against my credit standing. Moreover, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} The information provided for this account is imprecise. The reported Balance of {$1700.00} is higher than what I remember. Please remove the amount indicated in the Past Due section, as this account is closed and charged-off. I intend to communicate with the creditor to clarify the reported data. Until the necessary corrections are made, please mark this account as disputed. 


Account Name : XXXX  Date Opened : XX/XX/XXXX Balance : {$600.00} The following account is not mine, and I request TransUnion to remove it from my credit report. 


Account Name : XXXX FIN Date Opened : XX/XX/XXXX Balance : {$10000.00} This account was never late, and I request TransUnion to correct this inaccurate information on my credit report. 


Account Name : XXXX  Date Opened : XX/XX/XXXX Balance : {$600.00} This account was never late, and I request TransUnion to correct this inaccurate information on my credit report. 


I am deeply concerned about the inaccuracies in my credit report, as they have significantly impacted my creditworthiness. These errors have the potential to affect my financial opportunities and obligations adversely.

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