Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 file a formal complaint and dispute regarding inaccurate information on my credit report as provided by Transunion. Despite my initial contact with Transunion on XX/XX/XXXX, I have not received a response to date. As per the guidelines outlined by the Fair Credit Reporting Act, I request your assistance in addressing this matter. 
The following discrepancies and required corrections pertain to my credit report : Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$3600.00} I dispute the accuracy of the information provided for the aforementioned account. The reported balance of {$3600.00} is higher than what I recall. I request the removal of the amount indicated in the " Past Due '' section, as this account has a closed and charged-off status. I plan to have a conversation with the creditor responsible for this account to clarify all of the reported data. Until the appropriate corrections are made, I kindly request that this account be marked as disputed. 
Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Your agency has reported inaccurate information regarding the account mentioned above. The account is incorrectly associated with the company you have indicated, XXXX XXXX XXXX XXXX XXXX, while my original creditor is XXXX XXXX XXXX XXXX, an entirely different entity. I have not entered into any contractual agreement with XXXX XXXX XXXX XXXX XXXX, nor have I ever been contacted by them. Furthermore, the reported balance of {$450.00} does not align with my recollection. In light of these inaccuracies, I am disputing the entire account and request verification of the " Date Opened '' and " Date of First Delinquency. '' Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$780.00} XXXX confirm that the aforementioned account was never late. The reported information is inaccurate, and I request that you correct/update this on my credit report accordingly. 
Account Name : XXXX XXXX XXXX  Date Opened : XXXX. XXXX, XXXX Highest Balance : {$22000.00} I assert that the account specified above was never late. The reported information is inaccurate, and I request that you correct/update this on my credit report accordingly. 
Account Name : XXXX XXXX XXXX  Date Opened : XXXX. XXXX, XXXX Highest Balance : {$12000.00} I confirm that the account mentioned above was never late. The reported information is incorrect, and I request that you correct/update this on my credit report accordingly. 
Account Name : XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$310.00} I confirm that the account specified above was never late. The reported information is incorrect, and I request that you correct/update this on my credit report accordingly. 
Account Name : DEPT OF ED/XXXX Date Opened : XXXX XXXX, XXXX Balance : {$4700.00} I confirm that the account indicated above was never late. The reported information is incorrect, and I request that you correct/update this on my credit report accordingly.

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