Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 submit a formal dispute regarding inaccurate information on my credit report maintained by TransUnion, as of XX/XX/XXXX. I believe that TransUnion has an obligation to adhere to federal laws and regulations, including the Fair Credit Reporting Act ( FCRA ). I kindly request that TransUnion promptly verifies the accuracy of the disputed accounts and provides me with a written response detailing the actions taken to resolve this matter, in compliance with FCRA requirements. 
On XX/XX/XXXX, I contacted TransUnion concerning the following incorrect information on my credit report, and to this date, they have not responded. The following are the details of the inaccurate information and the required corrections : The following account was never late : XXXX XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$430.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : XXXX XXXX  XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$400.00} Please correct/update this inaccurate information on my credit report. 

The following account is not mine : XXXX  XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$990.00} Please remove it from my credit report. 

The following account is not mine : XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$410.00} Please remove it from my credit report. 

The account XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$800.00} ) must be reviewed : I recall the company that is the actual original creditor on the current account is XXXX XXXX XXXX XXXX XXXX, but I do not know of XXXX XXXX. 
The Balance of {$800.00} that you state for this account is higher than the amount that I remember. 
As a consequence of the aforementioned inaccuracies, I dispute the entire account and request to have the following dates verified by your agency : the Date Opened and the Date of First Delinquency. 

The information presented on the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) account is imprecise : I only know of the original creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; the collection agency you reported is unknown to me. 
I do not agree with the Balance of {$5600.00}, as it is higher than the amount I remember.

For these reasons, I dispute the entire account and request that you verify the following dates on this account : Date Opened, Date of First Delinquency, Date of Status, and First Reported. 

Because of incorrectly reported data, I require that your bureau verifies the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) account : I am unsure of the accuracy of the Balance of {$1700.00} that you report for this account because I don't 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.

Additionally, I request from you to verify the Date Opened, Date of Status, and First Reported for this account.

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