Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Based on the provided account information from the credit report for XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ), here are the inconsistencies and incomplete information among the three major credit bureaus ( TransUnion, XXXX, and XXXX ) : Account Number : TransUnion and XXXX report the account number as " XXXX. '' XXXX does not provide an account number for this account. 
Account Type : TransUnion reports it as an " Open account. " XXXX reports it as an " INSTALLMENT '' account. 
XXXX does not provide an account type for this account. 
Account Type - Detail : TransUnion reports " Open account. " XXXX reports " Debt Buyer. '' XXXX does not provide an account type detail for this account. 
Bureau Code : TransUnion and XXXX report " Individual account '' as the bureau code. 
XXXX does not provide a bureau code for this account. 
Account Status : XXXX reports " XXXX '' as the account status. 
TransUnion and XXXX do not provide an account status for this account. 
Monthly Payment : None of the bureaus report a monthly payment for this account. 
Date Opened : TransUnion and XXXX report a date opened of " XX/XX/XXXX. " XXXX does not provide a date opened for this account. 
Balance : TransUnion and XXXX report a balance of " {$370.00}. " XXXX does not provide a balance for this account. 
No. of Months ( terms ) : XXXX reports " 1 Month '' as the term for this account. TransUnion and XXXX do not provide a term for this account. 
High Credit : TransUnion and XXXX report a high credit of " {$580.00}. " XXXX does not provide a high credit for this account. 
Credit Limit : None of the bureaus report a credit limit for this account. 
Past Due : None of the bureaus report past due information for this account.

Payment Status : XXXX reports " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' as the payment status. 
TransUnion and XXXX do not provide a payment status for this account. 
Last Reported : TransUnion and XXXX report a " Last Reported '' date of " XX/XX/XXXX. " XXXX does not provide a " Last Reported '' date for this account. 
Comments : There are comments indicating a dispute, and the consumer disagrees with the information. This information is consistent among the three bureaus. 
Date Last Active : TransUnion and XXXX report a " Date Last Active '' of " XX/XX/XXXX. " XXXX does not provide a " Date Last Active '' for this account. 
Date of Last Payment : None of the bureaus report a date of the last payment for this account. 
Two-Year Payment History : XXXX reports " CO '' ( charge-off ) for most months in the two-year payment history, but there is no payment history data reported by TransUnion and XXXX for this account XXXX

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