Consumer complaint received 2023-05-27
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: Their investigation did not fix an error on your report

Complaint:
I am writing to submit a formal complaint and dispute regarding the inaccurate information reported on my credit report by TransUnion. I contacted TransUnion on XX/XX/XXXX to address the following issues, but to date, I have not received any response. I kindly request your intervention and assistance in resolving these credit reporting errors. The details of the inaccuracies and the required corrections are as follows : Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} The information presented for the account XXXX XXXX XXXX is inaccurate. The original creditor on this account is XXXX XXXX XXXX XXXX XXXX, not the company indicated by TransUnion. Furthermore, the reported balance of {$1800.00} is higher than the amount I believe I owe. I dispute this account and request a verification of the Date Opened and Date of First Delinquency associated with it. 
Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} The information presented on the account XXXX XXXX  requires investigation. While the original creditor is XXXX XXXX XXXX, I have not been contacted by XXXX XXXX. The reported balance of {$1600.00} is inflated and inaccurate. I do not recognize this amount, and I believe I owe a lower balance. Therefore, I dispute the entire account and request verification of the Date Opened and Date of First Delinquency. 
Account : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} The information presented for the account XXXX XXXX  is also inaccurate. I am aware of the original creditor, but I do not have any contract or knowledge of the company stated on this account ( XXXX XXXX  ). Additionally, the reported balance of {$1100.00} does not align with the lower balance I remember. Due to these inaccuracies, I dispute the entire account and request verification of the Date Opened and Date of First Delinquency. 
Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} I found inaccurate information in my credit report for the account XXXX XXXX XXXX. While I am aware of the original creditor XXXX XXXX I have no knowledge of the collection agency reported by TransUnion. Furthermore, the reported balance of {$2000.00} is inaccurate, as I believe it should be a lower amount. Additionally, TransUnion has reported a balance higher than the High Balance on the same account, indicating a clear reporting error. Considering these inaccuracies, I dispute the entire account and request verification of the Date Opened and Date of First Delinquency. 
Account : XXXX  Date Opened : XX/XX/XXXX Balance : {$2100.00} The account XXXX is reported inaccurately XXXX The reported balance of {$2100.00} is inflated and does not correspond to the actual amount I owe. Furthermore, TransUnion has erroneously included a Past Due amount for this closed and charged-off account. I intend to contact the creditor directly to address this misinformation. I request that TransUnion mark this account as disputed until a resolution is reached with the creditor. 
Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} In my credit report, I found inaccurate information for the account XXXX XXXX XXXX. I am doubtful of the reported high balance of {$2400.00}, as I recall a lower balance. Additionally, TransUnion should not report a Past Due amount for this closed and charged-off account. I request that TransUnion mark this account as disputed while I work to resolve the dispute with the creditor. I also require verification of the Date Opened, Date of Status, and Date First Reported for this account. 
Account : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$840.00} The inaccurate information reported on the account XXXX XXXX is causing significant prejudice to my credit reputation. The reported balance of {$840.00} does not correspond to the lower amount that I recall. I request that TransUnion review the Past Due information, as it is inaccurate to present a Past Due amount for a closed account that was charged-off. This account may have adversely affected my credit score. To address this issue, I need to reach an agreement with my creditor regarding the incorrect data. I request that TransUnion mark this account as disputed to prevent further negative impact on my credit score. 
Account : XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} The account XXXX needs examination due to incorrect reporting. The reported balance of {$330.00} appears to be higher than what I remember. Additionally, TransUnion has classified this account as closed, so the Past Due amount should not be provided. I believe it would be beneficial to address the misleading data directly with the creditor. I intend to take immediate action in resolving this matter, but I request that TransUnion mark this account as disputed while I pursue a resolution.

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