Consumer complaint received 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 frustration and dissatisfaction with the persistent issues I have encountered while attempting to correct late open accounts and remove a late closed from my credit report. Despite numerous and multiple attempts to rectify these discrepancies, the inaccuracies persist, adversely affecting my creditworthiness and financial standing. 

I have diligently followed the dispute process, submitting multiple requests for correction through your online dispute resolution system. Additionally, I have provided supporting documentation, including proof of timely payments, account closure, and any correspondence with the respective creditors. 

Despite these efforts, the inaccuracies continue to be reflected on my credit report, potentially harming my ability to secure favorable credit terms and affecting my overall financial health. 

I am formally requesting a thorough investigation into the discrepancies mentioned above and the immediate correction of the inaccuracies on my credit report. I understand the importance of accurate credit reporting in determining creditworthiness, and I believe it is essential for my credit report to fairly and accurately represent my financial history. 

Enclosed with this letter are copies of the supporting documents previously submitted, including proof of timely payments and correspondence with creditors. I trust that this information will aid in the resolution of this matter. 

I kindly request a written response detailing the results of your investigation, the actions taken to correct the inaccuracies, and an updated version of my credit report reflecting the accurate account information. I am asking for your assistance to correct these late open accounts and removal of late closed in my credit file : XXXX. XXXX XXXX Balance : {$0.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX. XXXX XXXX Balance : {$0.00} - I am not late on this account. My record shows that this account was Paid as Agreed and XXXX XXXX is XXXX. Please adjust immediately. 

XXXX. XXXX XXXX XXXX Balance Owed : {$140.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX. XXXX XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

5. DP OF EDUC XXXX Balance : {$6800.00} - Immediate correction of this account is necessary. I need this correct now. 

6. DP OF EDUC XXXX Balance : {$6700.00} - Please adjust immediately. You are reporting different information from other bureaus. 

7. DP OF EDUC XXXX Balance : {$4000.00} - Get it right immediately ; otherwise, update the account from my report. 

8. US DEPT ED XXXX Balance : {$3300.00} - Please verify all info is true, accurate, and correct. Never Paid Late. 

9. US DEPT ED XXXX Balance : {$1500.00} - Never late on this account. I never missed a payment. 

10. US DEPT ED XXXX Balance : {$6800.00} - Never late on this account. My record shows that this account was paid. Please correct immediately. 

11. US DEPT ED XXXX Balance : {$6900.00} - This is a massive error. Investigate all records closely and correct this account. 

12. US DEPT ED XXXX Balance : {$8400.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

13. US DEPT ED XXXX Balance : {$8200.00} - Please check the status of this account. Please correct it immediately. 

14. US DEPT ED XXXX Balance : {$1600.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

15. US DEPT ED XXXX Balance : {$9400.00} - Please take off the late things from this account because I think I made my payment on time. 

16. US DEPT ED XXXX Balance : {$5600.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

17. US DEPT ED XXXX Balance : {$10000.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

18. US DEPT ED XXXX Balance : {$7200.00} - The payment history and the status of this account is inaccurate. This account should not be late pursuant to CARES Act. Thoroughly investigate and correct with lawful accuracy. 

19. DP OF EDUC XXXX Balance : {$0.00} - Please provide me verifiable proof this account belongs to me. Please correct it. 

20. DP OF EDUC XXXX Balance : {$7300.00} - XXXX believe this information may be inaccurate. I need this correct now. 

XXXX. XXXX  XXXX XXXX Balance : {$410.00} - 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.

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