Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 bring to your attention the inaccurate information that TransUnion has reported on my credit report. Despite my attempts to rectify the situation by contacting TransUnion on XX/XX/XXXX, they have not responded or taken any action to correct these errors. As per my rights under the federal law, I kindly request your assistance in addressing these concerns. 

XXXX  Account ( Date Opened : XX/XX/XXXX, Balance : {$18000.00} ) : The reported Balance of {$18000.00} for the XXXX  account is incorrect. I strongly disagree with this amount, as I distinctly remember it being lower. Furthermore, since this account is closed and charged-off, the Past Due amount should not be reported. I kindly request that TransUnion delete the Past Due information and mark this account as disputed to prevent any negative impact on my credit score. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$500.00} ) : The Balance amount of {$500.00} reported by TransUnion for the XXXX XXXXXXXX account is inflated and inaccurate. I do not recognize this amount, and I believe I owe a lesser sum. Additionally, the Past Due amount provided by your agency further indicates an inaccurate reporting of this account. Since this account is closed and charged-off, the Past Due information should not be included. I intend to contact the creditor directly to resolve this matter. Therefore, I kindly request that TransUnion mark this account as disputed until a satisfactory resolution is reached. 

XXXX XXXX  Account ( Date Opened : XX/XX/XXXX, Balance : {$560.00} ) : The information presented for the XXXX XXXX  account is inaccurate. The original creditor on this account is XXXX XXXX XXXX, not the entity indicated by TransUnion. Additionally, the reported Balance of {$560.00} is higher than the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency for accuracy. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$6600.00} ) : The reported Balance of {$6600.00} for the XXXX XXXX account is incorrect and has adversely affected my credit reputation. This amount does not align with my recollection of a lower balance. I urge TransUnion to review the Past Due information provided, as it is inaccurate to report a Past Due amount for a closed account that was charged-off. This account may have caused a significant decline in my credit score. Therefore, I request that TransUnion mark this account as disputed to prevent further negative impact on my credit score while I work towards resolving this issue with my creditor. 

Furthermore, I would like to point out that the account XXXX  ( Account # XXXX, Date Opened : XX/XX/XXXX, High Credit : {$560.00} ) is not mine. I request immediate removal of this account from my credit report, as it does not belong to me.

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 explanation