Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
INACCURATE PERSONAL INFORMATION NEEDING TO BE DELETED FROM MY CREDIT REPORT. 
NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX ACCOUNTS TO BE DELETED UNDER SCRA Section 533 ( c ) ( codified at 50 USC 3953 ) XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$7400.00} {$0.00} {$4700.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Paid Paid Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account legally paid in full for less than the full balance. 
Consumer disputes- reinvestigation in progress Paid charge off Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$7000.00} {$7000.00} -- XXXX TransUnion XXXX XXXX Account # : XXXX XXXX -- High Balance : {$11000.00} {$11000.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$0.00} {$0.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Paid -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Finance/Personal Personal Loan Companies -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Payment after charge off/collection Settled - less than full balance Account legally paid in full for lass than the full balance. 
Unpaid balance reported as a loss by credit grantor. 
Account legally paid in full for less than the full balance. 
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : XXXX ( XXXX ) XXXX ( XXXX ) -- Past Due Amount : {$0.00} {$0.00} -- Account Type : Note loan Note loan -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX -- -- High Balance : {$52000.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$0.00} -- -- Closed Date : -- -- -- Account Rating : Paid -- -- Account Description : Individual -- -- Dispute Status : Account not disputed -- -- Creditor Type : Collection Services -- -- Account Status : Closed -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Paid collection -- -- Original Creditor : XXXX XXXX XXXX XXXX -- -- Last Payment : -- -- -- Past Due Amount : {$0.00} -- -- Account Type : -- -- -- ACCOUNTS TO BE UPDATED UNDER SCRA Section 533 ( c ) ( codified at 50 USC Removal of Late Payment History. Report PAID AS AGREED/NEVER LATE! 
XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$5800.00} {$5800.00} {$3400.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Paid Paid Paid Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Status : Current Current Current Creditor Remarks : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
Consumer disputes after resolution Closed or paid account/zero balance Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$3400.00} {$3400.00} -- Two-Year payment history TransUnion XXXX XXXX Days Late - 7 Year History TransUnion XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX TransUnion XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX High Balance : {$180.00} {$180.00} {$200.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Paid Paid Paid Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Clothing General Clothing Store General Clothing Store Account Status : Closed Closed Closed Payment Status : Current Late 30 Days Current Creditor Remarks : Canceled by credit grantor Account has been closed due to inactivity.

Consumer disputes- reinvestigation in progress Closed or paid account/zero balance Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$200.00} {$200.00} -- Two-Year payment history TransUnion XXXX XXXX Days Late - 7 Year History TransUnion XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX XXXX High Balance : {$730.00} {$730.00} {$750.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : -- -- -- Account Rating : Open Open Open Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Department/Variety and Other Retail Complete Department Stores Complete Department Stores Account Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Creditor Remarks : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Consumer disputes- reinvestigation in progress Account previously in dispute - now resolved by data furnisher Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$750.00} {$750.00} -- Two-Year payment history TransUnion XXXX XXXX Days Late - 7 Year History TransUnion XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX

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