Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
First and foremost, I have observed incomplete account numbers listed on my credit reports. These incomplete numbers have made it difficult for me to identify and verify the accounts in question. I kindly request that you review and update the account numbers to ensure they are accurate and complete. 

Furthermore, I have noticed discrepancies in the aggregation and organization of the information between the three credit bureaus. The way my credit history is presented differs significantly among the reports, causing confusion and uncertainty about the accuracy of the data. It is imperative that the information across all three reports is consistent and organized in a clear and coherent manner.

In addition to these issues, I have identified instances of inaccurate reporting in my credit history. Certain accounts contain errors, such as incorrect balances and payment histories, which have adversely affected my credit score. I respectfully request that you conduct a thorough investigation into these inaccuracies and rectify them promptly.

Moreover, I have not received adverse action notices in cases where my credit applications were denied. The Fair Credit Reporting Act ( FCRA ) mandates that consumers be provided with these notices, and their absence has raised concerns about my rights under this legislation.

Lastly, I have previously submitted disputes to your agency regarding inaccuracies in my credit report, but I have not received timely responses or resolutions to these disputes. I kindly request that you prioritize the investigation and resolution of these disputes as required by the FCRA. Here is a list of the inaccurate accounts that are also highlighted on my evidence that is uploaded. 

XXXX. My address which is XXXX XXXX XXXX, XXXX, FL XXXX XXXX. Summary ; Delinquent, derogatory, Payments, and inquiries XXXX. XXXX ; incomplete account number, last verified, Date of last activity, date reported, date opened, closed date, account rating, and creditor remarks XXXX. XXXX XXXX ; incomplete account number, last verified, date of last activity, date opened, closed date, creditor remarks, payment frequency XXXX. XXXX XXXX XXXX ; incomplete account number, incomplete account number, last verified, date of last activity, date opened, closed date, creditor remarks, and account type XXXX. XXXX  XXXX XXXX ; incomplete account number, last verified, date of last activity, date opened, closed date, creditor remarks, payment status, XXXX. XXXX XXXX ; incomplete account number, Balance owed, collections XXXX. XXXX XXXX ; incomplete account number, High Balance, date of last activity, date reported, creditor type, and last payment XXXX. XXXX XXXX XXXX ; incomplete account number, balance owed, and collection, unpaid balance reported as a loss by the credit grantor XXXX. XXXX XXXX  XXXX ; incomplete account number, balance owed, and collection, unpaid balance reported as a loss by the credit grantor XXXX. XXXX XXXX XXXX ; incomplete account number, Last verified, date of last activity XXXX. XXXX XXXX XXXX XXXX ; incomplete account number, Last verified, Date of Last Activity, Date reported, Date opened, Closed Date, Last Payment, Term length, Account Type XXXX XXXX XXXX  ; incomplete account number, opened XX/XX/2022, this has been disputed XXXX. XXXX XXXX  ; incomplete account number, balance owed, creditor remarks, account type

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