Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 formally dispute certain inaccuracies present in my TransUnion credit report. On XX/XX/XXXX, I contacted TransUnion regarding these discrepancies, but I have not received any response as of the present date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} ( Disputed Amount ) The account XXXX XXXX requires examination due to inaccurate reporting. The reported balance of {$6400.00} appears to be higher than my recollection. Additionally, your agency indicated that this account is closed, and as such, the Past Due amount should not be provided. To address this misleading data, I intend to communicate directly with the creditor. However, I request that your agency mark the account as disputed while I work towards a resolution. 


Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} ( Disputed Amount ) I require verification of the account identified as XXXX, as your reporting appears to present inaccurate information. The reported balance of {$940.00} is not in line with my understanding, and I believe the actual amount should be lower. Furthermore, the Past Due amount should not be indicated, considering the account is closed and charged-off. I urge your agency to mark this account as disputed to prevent it from negatively impacting my credit standing. Also, I request verification of the Date Opened, Date of Status, and Date First Reported. 


Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} ( Disputed Amount ) The account XXXX is reported inaccurately and is causing significant harm to my credit reputation. The reported balance of {$100.00} does not align with my recollection of a lower amount. The Past Due information should be revised, as it is inappropriate to indicate a Past Due amount for a closed, charged-off account. This misinformation likely contributed to a decline in my credit score. In light of this, I intend to resolve the incorrect data with my creditor and request that your agency mark this account as disputed to prevent further damage to my credit score. 


Account Identifier : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} ( Disputed Amount ) The XXXX XXXXXXXX account is reported inaccurately, as the reported balance of {$870.00} is inflated and not recognized by me. I believe I owe a lesser amount. Additionally, the Past Due amount provided by your agency is evidence of inaccurate reporting. This account is closed and charged-off, hence the Past Due amount should not be presented. I am committed to addressing this issue directly with the creditor and request that your agency mark this account as disputed during the resolution process. 


Account Identifier : XXXX Account # : XXXX Date Opened : XX/XX/XXXX The account XXXX with Account XXXX XXXX XXXXXXXX is not mine, and I request its removal from my credit report.

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