Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 hope this letter finds you well. I am writing to express my dissatisfaction and frustration regarding the numerous unsuccessful attempts to address and rectify the presence of a charge-off and late closed accounts on my credit report. Despite multiple efforts to dispute and correct this information, I have yet to see a resolution, and I am compelled to bring this matter to your attention. 

I have made numerous attempts to dispute the presence of a charge-off and late closed accounts on my credit report through the designated dispute channels, yet these efforts have yielded no positive results. The persistence of these inaccurate and damaging entries has significantly affected my creditworthiness, causing considerable hardship in various financial matters. 

I am deeply concerned about the impact of these inaccuracies on my ability to secure favorable terms for credit, loans, and other financial services. I believe it is essential to rectify these errors promptly to ensure the accuracy of my credit report and, by extension, my financial standing. 

I am submitting this formal complaint to request a thorough and immediate investigation into the charge-off and late closed accounts listed on my credit report. I insist on a comprehensive review of the evidence provided in my previous disputes, and I urge you to take the necessary steps to remove these inaccuracies promptly. 

Enclosed with this letter, you will find copies of my previous dispute letters, supporting documentation, and any relevant correspondence for your reference. I am asking for your assistance to remove the accounts in my credit file : XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXXXXXX Balance Owed : {$750.00} - 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. 

XXXX XXXX Balance Owed : {$0.00} - 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. 

XXXX XXXX Balance Owed : {$140.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX XXXX Balance Owed : {$400.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX XXXX Balance Owed : {$470.00} - The payment history and status is inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off. Please delete this account immediately. 

XXXX XXXX Balance Owed : {$0.00} - You are reporting inaccurate information for this particular account. Remove the balance indicated, change it to zero and delete this account promptly. 
XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

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