Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 bring to your attention the inaccurate information that TransUnion has reported on my credit report. Despite my attempts to rectify the situation by contacting TransUnion on XX/XX/XXXX, they have not responded or taken any action to correct these errors. As per my rights under federal law, I kindly request your assistance in addressing these concerns. 
XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$18000.00} ) : I have discovered inaccurate information in my credit report for the XXXX  account. I have serious doubts about the reported Balance of {$18000.00}, as I recall having a lower balance than that. Additionally, the reporting of Past Due information for this account is inappropriate, as the account is closed and charged-off. I kindly request that TransUnion mark this account as disputed while I work towards resolving this dispute with the creditor. This will ensure that the account does not negatively impact my credit standing. Furthermore, I request verification of the Date Opened, Date of Status, and First Reported for this account. 
XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$500.00} ) : Due to the incorrectly reported data, I require TransUnion to verify the XXXX XXXX account. I am uncertain about the accuracy of the reported Balance of {$500.00}, as I do not recall owing such a high amount. Since your agency has presented this account as closed and charged-off, the Past Due amount should not be provided. I am in the process of clarifying this matter with the creditor. In the meantime, I request that TransUnion mark this account as disputed to prevent any further negative impact on my credit score. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 
XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$560.00} ) : The information presented for the XXXX XXXX  account is also inaccurate. I recall that the original creditor on this account is a distinct company, XXXX XXXX XXXX, rather than the one indicated by TransUnion. The reported Balance of {$560.00} is higher than the amount I believe I owe. I dispute this account based on the inaccurate information provided, and I request verification of the Date Opened and Date of First Delinquency. 
XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$6600.00} ) : The XXXX XXXX account needs to be examined due to incorrect reporting. The reported Balance of {$6600.00} appears to be higher than the balance I remember. Since TransUnion has presented this account as closed, the Past Due amount should not be provided. I believe it would be beneficial to address the misleading data directly with the creditor. I am determined to take immediate action in this regard, but I request that TransUnion mark this account as disputed while I work towards finding a solution. 
XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) : The following account, XXXX, with a reported Balance of {$0.00}, does not belong to me. I kindly request the immediate removal of this account from my credit report, as it is not associated with my financial history.

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