Consumer complaint received 2023-10-18
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 express my deep frustration and disappointment concerning the ongoing issues I have been facing while trying to correct late open accounts, and removed the late closed accounts, and charge-offs on my credit report with Credit Bureaus . These inaccuracies have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. 

I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the late open accounts, late closed accounts, and charge-offs on my credit report and promptly contacted Credit Bureaus . I explained the situation and submitted the required documentation. I was assured that the issue would be corrected promptly. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review, and I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated, and I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in correcting the late open accounts, late closed accounts, and charge-offs. I contacted Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with Credit Bureau 's requests. The presence of these inaccuracies on my credit report is significantly impacting my financial and personal well-being. 

I request the following : Immediate and effective action to correct the late open accounts, late closed accounts, and charge-offs on my credit report. 
Clear communication regarding the status of my case and the steps being taken to rectify the issue. 
A formal written acknowledgment of the correction of these inaccuracies. 
Compensation for any financial losses or damages incurred as a result of these inaccuracies. I am asking for your assistance to correct or removed the following accounts : XXXX XXXX XXXX Balance Owed : {$26000.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late from reporting on this account. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance Owed : {$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. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why an {$1300.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file.

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