Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
INACCURATE PERSONAL INFORMATION NEEDING TO BE DELETED FROM MY CREDIT REPORT. 
NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, WA XXXX ACCOUNTS TO BE DELETED UNDER SCRA Section 533 ( c ) ( codified at 50 USC 3953 ) XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$7400.00} {$0.00} {$4700.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Paid Paid Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Bank Bank Credit Cards National Credit Card Companies Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Unknown Collection/Chargeoff Creditor Remarks : Payment after charge off/collection Account closed by consumer Credit line closed - consumer request - reported by subscriber. 
Account legally paid in full for less than the full balance. 
Consumer disputes- reinvestigation in progress Paid charge off Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$7000.00} {$7000.00} -- XXXX TransUnion XXXX XXXX Account # : XXXX XXXX -- High Balance : {$11000.00} {$11000.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$0.00} {$0.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Paid -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Finance/Personal Personal Loan Companies -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Payment after charge off/collection Settled - less than full balance Account legally paid in full for lass than the full balance. 
Unpaid balance reported as a loss by credit grantor. 
Account legally paid in full for less than the full balance. 
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : 54Month ( s ) 54Month ( s ) -- Past Due Amount : {$0.00} {$0.00} -- Account Type : Note loan Note loan -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX -- -- High Balance : {$52000.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$0.00} -- -- Closed Date : -- -- -- Account Rating : Paid -- -- Account Description : Individual -- -- Dispute Status : Account not disputed -- -- Creditor Type : Collection Services -- -- Account Status : Closed -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Paid collection -- -- Original Creditor : XXXX XXXX XXXX XXXX -- -- Last Payment : -- -- -- Past Due Amount : {$0.00} -- -- Account Type : -- -- -- ACCOUNTS TO BE UPDATED UNDER SCRA Section 533 ( c ) ( codified at 50 USC Removal of Late Payment History. Report PAID AS AGREED/NEVER LATE! 
XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$5800.00} {$5800.00} {$3400.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Paid Paid Paid Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Bank Bank Credit Cards All Banks Account Status : Closed Closed Closed Payment Status : Current Current Current Creditor Remarks : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
Consumer disputes after resolution Closed or paid account/zero balance Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$3400.00} {$3400.00} -- Two-Year payment history TransUnion XXXX XXXX Days Late - 7 Year History TransUnion XXXX XXXX 30 : 1 60 : 1 90 : 1 30 : 1 60 : 1 90 : 1 30 : 1 60 : 1 90 : 1 XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$180.00} {$180.00} {$200.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Paid Paid Paid Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Clothing General Clothing Store General Clothing Store Account Status : Closed Closed Closed Payment Status : Current Late 30 Days Current Creditor Remarks : Canceled by credit granXXXX Account has been closed due to inactivity. 
Consumer disputes- reinvestigation in progress Closed or paid account/zero balance Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$200.00} {$200.00} -- Two-Year payment history TransUnion XXXX XXXX Days Late - 7 Year History TransUnion XXXX XXXX 30 : 1 60 : 0 90 : 0 30 : 1 60 : 0 90 : 0 30 : 1 60 : 0 90 : 0 XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$730.00} {$730.00} {$750.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : -- -- -- Account Rating : Open Open Open Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Department/Variety and Other Retail Complete Department Stores Complete Department Stores Account Status : XXXXen Open Open Payment Status : Current Current Current Creditor Remarks : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Consumer disputes- reinvestigation in progress Account previously in dispute - now resolved by data furnisher Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$750.00} {$750.00} -- Two-Year payment history TransUnion XXXX XXXX Days Late - 7 Year History TransUnion Experian Equifax 30 : 1 60 : 0 90 : 0 30 : 1 60 : 0 90 : 0 30 : 1 60 : 0 90 : 0

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