Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the persistent issues I have encountered in attempting to rectify late open accounts and incorrect closure statuses associated with my accounts. 

I have made numerous attempts to address the inaccuracies in my account records, specifically related to late open accounts and incorrect closure statuses. Despite my continuous efforts to communicate these discrepancies through various channels, the issues remain unresolved, causing significant inconvenience and frustration on my part. 

I would like to bring to your attention the specific instances where I have sought assistance and the lack of resolution : It is disheartening that despite my genuine efforts to cooperate and provide all necessary information to rectify these errors, the problems persist. The continuous inaccuracies in my account records not only impact my financial standing but also erode my confidence in the organization 's ability to manage customer accounts accurately. 

I request that immediate attention be given to this matter to rectify the late open accounts and incorrect closure statuses associated with my accounts. I expect a thorough investigation into these discrepancies and a prompt resolution to prevent any further inconvenience. 

If the necessary steps are not taken promptly to address these issues, I may have no choice but to escalate this matter to relevant regulatory bodies and consumer protection agencies. I am asking for your assistance to correct these late open accounts and remove the late closed in my credit file : XXXX. XXXX XXXX Balance : {$0.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

2. XXXX XXXX Balance : {$0.00} - I am not late on this account. My record shows that this account was Paid as Agreed and Past Due is XXXX. Please adjust immediately. 

3. XXXX XXXX XXXX Balance Owed : {$140.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

4. XXXX XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

5. DP OF EDUC XXXX Balance : {$6800.00} - Immediate correction of this account is necessary. I need this correct now. 

6. DP OF EDUC XXXX Balance : {$6700.00} - Please adjust immediately. You are reporting different information from other bureaus. 

7. DP OF EDUC XXXX Balance : {$4000.00} - Get it right immediately ; otherwise, update the account from my report. 

8. US DEPT ED XXXX Balance : {$3300.00} - Please verify all info is true, accurate, and correct. Never Paid Late. 

9. US DEPT ED XXXX Balance : {$1500.00} - Never late on this account. I never missed a payment. 

10. US DEPT ED XXXX Balance : {$6800.00} - Never late on this account. My record shows that this account was paid. Please correct immediately.

11. US DEPT ED XXXX Balance : {$6900.00} - This is a massive error. Investigate all records closely and correct this account. 

12. US DEPT ED XXXX Balance : {$8400.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

13. US DEPT ED XXXX Balance : {$8200.00} - Please check the status of this account. Please correct it immediately. 

14. US DEPT ED XXXX Balance : {$1600.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

15. US DEPT ED XXXX Balance : {$9400.00} - Please take off the late things from this account because I think I made my payment on time. 

16. US DEPT ED XXXX Balance : {$5600.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

17. US DEPT ED XXXX Balance : {$10000.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

18. US DEPT ED XXXX Balance : {$7200.00} - The payment history and the status of this account is inaccurate. This account should not be late pursuant to CARES Act. Thoroughly investigate and correct with lawful accuracy. 

19. DP OF EDUC XXXX Balance : {$0.00} - Please provide me verifiable proof this account belongs to me. Please correct it. 

20. DP OF EDUC XXXX Balance : {$7300.00} - XXXX believe this information may be inaccurate. I need this correct now. 

21. XXXX XXXXXXXX XXXX Balance : {$410.00} - 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.

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