Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am submitting a formal complaint regarding multiple inaccurate, unverifiable, and unauthorized entries on my credit report that have been previously disputed but remain unresolved in violation of the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX XXXX Compliance Standards. 

Despite submitting disputes to XXXX, XXXX, and TransUnion, as well as directly to creditors and collection agencies, these items have not been properly investigated, verified, or removed. Below is a breakdown of the specific issues, dispute history, and requested resolution. 

Unverified & Inaccurate Bankruptcies Reporting XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Date Discharged : XX/XX/XXXX Court : U.S. Bankruptcy Court, XXXX XXXX of Michigan Issue : Some accounts included in bankruptcy still show a balance or derogatory status, which violates XXXX XXXX guidelines. 
Disputed Before? Yes, multiple times. 
Outcome? Credit bureaus failed to correct/update information accurately. 
Request : Ensure that all accounts included in this bankruptcy reflect a {$0.00} balance with Included in Bankruptcy status. 
XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Date Dismissed : XX/XX/XXXX Court : U.S. Bankruptcy Court, XXXX XXXX XXXX Ohio Issue : This bankruptcy was dismissed, meaning it does not hold the same legal effect as a discharge. However, it continues to be reported. 
Disputed Before? Yes. 
Outcome? Credit bureaus failed to remove the dismissed XXXX XXXX filing. 
Request : Immediate deletion of this bankruptcy record from my credit report, as a dismissed bankruptcy should not impact my credit history. 
following hard inquiries were not authorized by me and have been disputed before without resolution. Under FCRA 1681b, companies must have written permission before pulling a credit report. 

Creditor Name Type of Business Date of Inquiry Credit Bureau Reporting XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX XXXX XXXX Unions XX/XX/XXXX TransUnion XXXX XXXX XXXX Unions XX/XX/XXXX TransUnion XXXX XXXX XXXX Unions XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Dealers, Used XX/XX/XXXX TransUnion XXXX XXXX XXXX Unions XX/XX/XXXX TransUnion XXXX XXXX XXXX Unions XX/XX/XXXX TransUnion XXXX XXXX XXXX Unions XX/XX/XXXX TransUnion XXXX XXXX XXXX Unions XX/XX/XXXX TransUnion everal accounts are reporting incorrectly as charge-offs, collections, or past due despite being : Paid Included in bankruptcy Sold or transferred ( which means the original creditor should no longer report them ) Creditor Name Account Number ( Last 4 ) Balance Status Issue XXXX XXXXXXXX {$1300.00} Charge-Off Balance should be {$0.00} or removed if unverified XXXX XXXX XXXX {$220.00} Collection Account was closed due to inactivity but still reports balance XXXX XXXXXXXX {$0.00} Charge-Off Transferred to another lender, should not report XXXX XXXXXXXX XXXX {$0.00} Derogatory Marked as " Dispute Resolved '' but was never properly verified First Premier XXXX {$0.00} Derogatory Should reflect " Included in Bankruptcy '' with {$0.00} balance Disputed Before? Yes. 
Outcome? Credit bureaus and creditors failed to remove or properly update these accounts. 
Request : Immediate deletion or correction of all inaccurate charge-offs and collection accounts.

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