Consumer complaint received 2023-12-21
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 am writing this letter to formally file a complaint regarding the persistent issues I have encountered in attempting to correct the late open and remove a charge off and late closed accounts from my credit report. Despite multiple attempts to rectify the situation, I have not seen any resolution, and I am greatly dissatisfied with the handling of this matter. 

I have made several efforts to communicate with your customer service representatives, both through phone calls and written correspondence, in an attempt to resolve the issue of the charge off and late closed account appearing on my credit report. Unfortunately, these attempts have not yielded any positive results, and the inaccurate information continues to negatively impact my credit score.

The charge off and late closed account were the result of an error on your part, and I have provided supporting documentation to demonstrate that these discrepancies should be rectified. 

Despite my repeated attempts to resolve this matter, there has been a significant lack of communication and follow-up from your end, leaving me frustrated and without a clear understanding of the resolution process. 

The inaccuracies on my credit report are adversely affecting my credit score, making it challenging for me to obtain favorable terms on loans and credit applications. 

I kindly request that you initiate a thorough investigation into the matter and take prompt action to correct the inaccuracies on my credit report. Additionally, I expect a written confirmation of the resolution and a timeline for the removal of the charge off and late closed account from my credit history. 

If this matter is not resolved satisfactorily within the specified timeframe from the date of this letter, I will be compelled to escalate the complaint to the appropriate regulatory authorities and seek legal advice to protect my rights as a consumer. I am asking for your assistance to remove theselate closed and charge off accounts in my credit file : XXXX XXXX XXXX Balance : {$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 correction of this account is necessary. 

XXXX XXXX Balance : {$810.00} - 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 Balance : {$11000.00} - The limit to this account was a fraction of the amount due it as stated. 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. 

XXXX XXXX XXXX Balance : {$0.00} - 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 with 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.

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