Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
After examining my credit report from XX/XX/year>, I have found several inconsistencies. As a result, I have sent a letter to request a reinvestigation of the accounts listed below. There are multiple entries on my credit report that do not correctly represent my carefully managed credit history. 

Personal Information : The reporting of my Name is incomplete. Correct the inaccurate item. I challenge this inaccurate Date of Birth. Correct the inaccurate item. This Current address is reporting in error. Please be aware, that I need the data investigated and resolved quickly. I don't recall this Employee being correct. The data should be 100 % correct and complete. 

Accounts : XXXX XXXX : XXXX : XXXX XXXX : The contents of this field are being contested due to inaccuracies. Errors should be remedied. Date of Last Activity : My credit report contains inaccurate data as not all fields are reported correctly. I am submitting a request that the information in question be resolved as soon as possible. Date Reported : It is necessary to correct the inaccurate information in the credit report for the field I am highlighting because it differs from the information on the other reports. Follow the law and make sure the incorrect information is amended. Date Opened : I've uncovered inaccurate information in this field on my credit report, as it contrasts with other reports. A friend informed me that results are typically received within 30 days. Please commence the investigation. Closed Date : This particular field is NOT accurate. After you have addressed the issue, please forward me a comprehensive report. Creditor Type : This field is unreliable. I will await your resolution. Comments : There might be a mistake in this section of my credit report because it differs from the other reports. Please check, and if not, remedy it. 

XXXX XXXX XXXXXXXX : XXXX : Last Verified : An error was detected in this section of the report. Please commence your 30-day investigation and subsequently address this inaccurate field. Date of Last Activity : There could be an error in the field as it doesn't match with the others. Please examine this and ensure it is accurate. Date Opened : The field is inconsistent and does not align with data from other bureaus. Initiate an investigation, please. Closed Date : I dispute the validity and precision of this specific field. The law stipulates that you initiate an investigation and amend any errors. Please commence without delay. Creditor Type : Due to the incorrect nature of the field, my consumer report is being negatively impacted. It is imperative that you promptly address and fix the field. Comments : Due to the way it is being reported, this field 's information is referred to as being incorrect. Send me an update after making the necessary adjustments. Payment Frequency : It appears that the information in this field differs from that of the other XXXX agencies, which suggests that it may be incorrect. In such cases, it is challenging to determine who possesses the absolute truth. I urgently request that you fix the problem at hand. 

XXXX XXXX : XXXX : Last Verified : From my assessment, the creditor reported this field inaccurately. I request that you initiate an investigation into this matter and address the inaccurate field. Date of Last Activity : The way the date is reported suggests that it may contain an error. Conduct an investigation and ensure the information is resolved. Date Opened : The data in this field is at odds with information from other bureaus, making it inaccurate. Please correct this. Closed Date : The items reported negatively within this field are flawed. Please address this adjustment immediately upon receipt of this correspondence. Creditor Type : An inaccurate field was displayed on the credit report. Provide evidence that the incorrect field has been corrected. Comments : On the credit report, there is a field that clearly contains incorrect information. This information needs to be updated. 

XXXX XXXX : XXXX : Last Verified : An error exists in this field on my credit report due to the creditor 's reporting. I am submitting a request for both a correction and an investigation. Date of Last Activity : The credit report continues to inaccurately represent the error in this field. The inaccurate information should be examined and fixed. Date Reported : The field is unreliable and does not match the information from the other agencies. Please look into this and mend the item. Date Opened : The field under dispute contains information that doesn't match the other credit bureaus. Make necessary modifications. Account Status : Data inconsistency is evident within the field. I mandate that the following fields undergo verification. Comments : The credit report incorrectly lists this field as a result of improper reporting. Investigate the situation and resolve the issue right away. 

As I navigate the credit environment, I recognize the significance of accurate credit reporting. The accuracy of credit bureau data is crucial, even though regulations are in place to guarantee justice. My credit score might be adversely affected by the disparities in my report, which annoy me as well.

My creditworthiness is being unfairly affected by inaccurate information on my credit report, presenting a false financial profile. I find this unacceptable and am requesting a prompt and thorough investigation to correct any inaccuracies.

The precision of a credit report is crucial in the digital era, where information is readily available and prone to errors. Even inadvertent mistakes can have a significant impact on one 's financial prospects. Thus, it is critical to immediately investigate and resolve any inconsistencies in my credit report. Moreover, I have asked for the credit bureau 's verification process, which has not been provided, leading me to suspect that they are reporting incorrect information due to their failure to reveal the source of their data.

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