Consumer complaint received 2023-11-23
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 to bring to your attention a matter of significant concern regarding the persistent errors in my credit file. Despite numerous attempts, for correction, the issues related to late openings, removal of late closures, and charge-offs remain unresolved. 

I initially raised the issue previously, and since then, I have made multiple efforts to rectify the inaccuracies in my credit report. I have diligently provided all necessary documentation, followed the appropriate dispute procedures, and communicated with your representatives on numerous occasions. However, the errors persist, adversely affecting my creditworthiness and financial standing. 

Despite providing evidence of timely payments and account openings, my credit report continues to reflect late openings, which inaccurately impact my credit score. 

Accounts that were closed on time and in good standing are still listed as late closures, creating a misleading and negative representation of my credit history. 

There are inaccuracies in the reporting of charge-offs, and despite providing evidence of resolved debts, the status remains unchanged on my credit report. 

I understand that errors can occur, but the repeated failure to address and correct these issues after XXXX attempts is unacceptable. These inaccuracies are causing significant harm to my credit profile and are impeding my ability to secure favorable financial terms. 

I kindly request a thorough and immediate investigation into this matter. I expect a prompt resolution and a comprehensive update to my credit report reflecting the accurate and verified information. Additionally, I request a detailed written explanation for the continued errors and the measures taken to prevent such issues in the future. 

If necessary, I am prepared to escalate this matter to relevant regulatory authorities to ensure a fair and timely resolution. I believe in the importance of accurate credit reporting for both consumers and creditors, and I trust that 3 Credit Bureaus shares this commitment. I am asking for your assistance to correct these late open account and remove the charge off and late closed in my credit file : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX : {$470.00} - Please checked the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$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 XXXX XXXXXXXX Balance : {$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 XXXX XXXX XXXX : {$0.00} - 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