Consumer complaint received 2024-01-05
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 trust this letter finds you well. I am writing to express my persistent dissatisfaction and concern regarding the unresolved issues related to multiple attempts to remove both late closed and charge-off entries from my credit file. Despite my continuous efforts, these entries remain, adversely impacting my creditworthiness and financial standing. 

I have diligently pursued the correction of these entries through multiple attempts, as outlined below : Initiated contact with your customer service department to address the inaccurately labeled late closed entry on my credit file. 
Follow-up communication after the initial inquiry did not yield a satisfactory resolution. 
Submitted written documentation and evidence to demonstrate the inaccuracy of the late closed entry. 


Reported the inaccurately labeled charge-off entry on my credit file to your institution. 
Submitted a formal written complaint, including comprehensive documentation and evidence supporting the inaccurate nature of the charge-off entry. 
Engaged in follow-up communication, providing any additional information requested and cooperating fully in the investigation process. 
Despite these concerted efforts, both issues persist, causing undue stress and affecting my confidence in the accuracy and reliability of the information on my credit file. 

I implore you to conduct a thorough and expedited investigation into both matters and take immediate action to correct the inaccurately labeled late closed and charge-off entries from my credit file. Additionally, I request transparent communication regarding the steps your institution is taking to prevent similar incidents in the future. 

If these matters are not addressed satisfactorily within the exact timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issues to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these late closed and charge off accounts in my credit file : XXXX. XXXX XXXX Balance Owed : {$0.00} - 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 Balance Owed : {$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. 

XXXX. XXXX XXXX XXXX Balance Owed : {$750.00} - 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 XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
XXXX. XXXX XXXX Balance Owed : {$140.00} 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 XXXX XXXX Balance Owed : {$400.00} - The limit to this account was a fraction of the amount due it as stated. 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 Balance Owed : {$1400.00} - 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 with 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 Balance Owed : {$470.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. 
XXXX. XXXX XXXX Balance Owed : {$0.00} - This kind of account is in fact posted as a charged-off account, be sure you let me know precisely why there is a balance showing on the document if it is a charge off? The account balance is actually wrong, make sure you turn it to zero or get rid of the item fully.

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