Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

1.JXXXX XXXX  XXXX -The date opened is incorrect and the high credit limit is reporting incorrect. 
-Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 2.XXXX  XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 3.XXXX  XXXX XXXX  XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 4.XXXX XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 5.XXXX XXXX XXXX XXXX **** Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX XXXX

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 explanation