Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to dispute the accuracy of the information reported by TransUnion on my credit report. Specifically, I am concerned about the incorrect information regarding several of my accounts, which I would like to have investigated and corrected. 

I previously contacted TransUnion on XX/XX/XXXX regarding the following incorrect information, but have not received a response to date. Firstly, the XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$11000.00} ) is being reported with an incorrect balance amount of {$11000.00}. I believe that the amount owed is lower than what is being reported. Additionally, the Past Due amount should not be reported as this account has been closed and charged-off. I request that this account be marked as disputed to ensure that it does not negatively impact my credit score. 

The information on the XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$920.00} ) is also inaccurate. The balance amount of {$920.00} is higher than what I remember owing. Additionally, the Past Due amount should not be reported for a closed and charged-off account. This inaccurate information has caused my credit score to drop and I request that this account be marked as disputed as well. 

I also require that the XXXX XXXX  account ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ) be verified for accuracy as I am unsure of the balance amount reported by TransUnion. Additionally, the Past Due amount should not be reported for this closed and charged-off account. I request that this account be marked as disputed until I have resolved the matter with the creditor. 

The information regarding the account XXXX ( Date Opened : XX/XX/XXXX, Balance : {$610.00} ) is inaccurate. The original creditor on this account is XXXX XXXX XXXX, not the company you have listed. You have reported a Balance of {$610.00}, which is higher than the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 

The information presented for the account XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2000.00} ) is also inaccurate. While I recognize the original creditor as XXXX XXXX XXXX XXXX XXXX A, I have not been contacted by XXXX XXXX. The reported Balance of {$2000.00} is inflated and inaccurate. I dispute this account in its entirety and request verification of the Date Opened and Date of First Delinquency. 

I also dispute the information presented for the account XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4100.00} ). While I acknowledge the original creditor as XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, I do not have any contract with XXXX XXXX. The reported Balance of {$4100.00} is inaccurate, as I remember owing a lower amount. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 

Furthermore, I have found inaccurate information for the XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ) account. While I recognize the original creditor as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, I have no contract with the collection agency that you have reported. The reported Balance of {$2400.00} is inaccurate and higher than the High Balance on the same account. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 

Lastly, XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$800.00} ) is being reported with an inaccurate balance amount of {$800.00}. I believe that the amount owed is lower than what is being reported. Additionally, the Past Due amount should not be reported for a closed and charged-off account. I request that this account be marked as disputed until I have resolved the matter with the creditor.