Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 and request corrections for inaccuracies in my credit report. I recently obtained a copy of my credit report from your agency and discovered several errors that require your immediate attention. 

On my credit report, there is a record of a late open account that inaccurately reflects my credit history. The account in question is innacurate and late. I have never had an account opened on the reported date, and I request that this information be promptly corrected to accurately reflect my credit history. 

I previously submitted a request to have a late closed account removed from my credit report. The account in question is inaccurate. Despite my previous dispute and efforts to rectify this matter, the derogatory information associated with this account persists on my credit report. I request a thorough review and removal of this information as soon as possible. 

It has come to my attention that there are inaccuracies related to bankruptcy, charge-offs, and public records on my credit report. I have not filed for bankruptcy, and I dispute any records indicating otherwise. Additionally, the reported charge-offs and public records are not accurate and require immediate correction. 

I understand that the accuracy of my credit report is vital for my financial well-being, and these inaccuracies are causing significant harm to my creditworthiness. I request that you conduct a thorough investigation into these matters and provide me with a written explanation of the actions taken to rectify these inaccuracies. I am asking for your assistance to correct or remove the accounts in my XXXX file : XXXX. XXXX XXXX Balance : {$0.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX. XXXX XXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX. XXXX XXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX XXXX XXXX XXXXXXXX Balance {$560.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX. XXXX XXXX Balance : {$0.00} - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act. 

XXXX. XXXX  XXXX Bankruptcy Discharged XXXX XX/XX/2018 - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.

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