Consumer complaint received 2023-04-20
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:
On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report. To this date, I have not received a response. I am submitting this request to ensure that the correct information is used in any future credit checks. 

I require that your bureau verifies the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4700.00} ), account due to incorrectly reported data. I am unsure of the accuracy of the balance of {$4700.00} that you report for this account because I do not recall owing such a high amount. Your agency presented this account as closed and charged-off, so the past due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed, so that it won't have any further negative impact on my credit score. In addition to that, I request from you to verify the Date Opened, Date of Status, and First Reported for this account. 

COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ). The Balance amount of {$1700.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. Due to these inaccuracies, I dispute the entire account and I request that you verify the following dates : Date Opened and Date of First Delinquency. 

The information presented for the account COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ) is also inaccurate. I bear in mind that the original creditor on this account is a distinct company XXXX XXXX than the one you indicate. You present erroneous information about the Balance of {$2400.00}. You report a higher balance than the amount I suppose I owe. The problem is that this information is far from truth and I dispute this account, and I also claim a verification of Date Opened and Date of First Delinquency. 

The following accounts are not mine : COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$690.00} ) Please remove them from my credit report. 

The account XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) needs to be examined due to incorrect reporting. The balance of {$1900.00} that you report seems to be higher than the balance that I remember. Your agency presented this account as closed, so the past due amount is not supposed to be provided for this account. I think it may be beneficial to address the misleading data directly with the creditor. I am determined to immediately proceed with such course of action, but I need your agency to report the account as disputed while I'll be trying to find a solution. 

I require that you verify the account identified as XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$470.00} ) because your reporting represents the information incorrectly. The balance of {$470.00} reported by you is inaccurate because I believe it should be a lower amount. Moreover, the past due amount shouldn't be presented by you, as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor, so that this account is not held against my credit

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