Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 express my deep dissatisfaction and concern regarding the multiple unsuccessful attempts to correct late open accounts on my credit report. Despite my persistent efforts, these inaccuracies remain unresolved, causing significant distress and financial consequences. I first initiated disputes regarding these late open accounts. Since then, I have consistently reported these inaccuracies to your agency and provided the necessary documentation to support my claims, such as proof of timely payments and account closure records. Despite multiple disputes and my repeated efforts, these late open accounts have not been corrected. The continued presence of these inaccuracies on my credit report has had detrimental effects on my credit score, financial stability, and overall well-being. I am unable to secure loans, obtain favorable interest rates, or access various financial opportunities due to these errors. I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit report to verify the accuracy of the late open accounts in question. An investigation into the origins and validity of these accounts, including the verification of my claims regarding the correct opening and closure dates. XXXX correction and removal of these late open accounts from my credit report if they are found to be inaccurate. An explanation for the prolonged delay in resolving these disputes and the steps being taken to expedite the correction process. Written confirmation of the actions taken to rectify these inaccuracies and a specific timeline for their completion. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve these matters to my satisfaction. I am asking for your assistance to correct the late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$320.00} XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$17000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX Balance {$230.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$710.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$410.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$990.00} XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$17000.00} XXXX XXXX XXXX XXXX  XXXX. XXXX, XXXX XXXX {$380.00}.

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