Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion, Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
XXXX XXXX XXXX XXXX XXXX XXXX  has inaccurate open dates, it also has my last payment made as XX/XX/XXXX but clearly shows a on time payment XX/XX/XXXX and does not go in late payments until after that payment date. 
XXXX XXXX XXXX XXXXXXXX have listed a whole different open date then the other two bureaus. As well as not showing a payment history at all but showing a totally different last payment date of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  I have disputed the inaccurate information several times and yet to be corrected. You have listed a completely different open date as the other bureau, The high credit is off by almost XXXX dollars, last reported does not match other bureau, neither does the last active or the last payment date which is in a whole another year then the other bureau. 
XXXXXXXX XXXX XXXX XXXX XXXX You have derogatory while the other bureau has paid, open date is not the same as other bureau, last reported dated, last active date and finally last payment date. 
XXXX # XXXX I would like a signed copy of the contact with this company with my signature. It as well does not match the other bureaus. Open date is not correct, you state there is no past due amount where the other bureaus say there is of XXXX, as well as the last payment date not correct as shown in the pictures. 
XXXX XXXX # XXXX Has several inaccuracies that the other bureaus do not have. They have this as a open account and you do not, the open dates are not the same, you state there is no past due amount the othe bureaus say it does of XXXX, your last reported, last active and last payment are all not matching the other bureaus so how can any of this be accurate. I also would like a copy of my signature on a contract with this company. 
XXXX XXXX XXXX - # XXXX This account has different open dates which is very important as far as accuracy is concerned, last reported dates don't match, nor does the last active or even last payment. 
XXXX XXXX This account does not have accurate information reported. The open date does not match the other bureaus, last reported date, the last active date is 2 years from the other bureaus. This is very damaging to one 's credit profile. 
XXXX XXXX XXXX XXXXXXXX This account is listed two times on my report. This is very damaging and not part of the FCRA at all. It is illegal.

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Failing that, the item must be deleted from the report as soon as possible. This informatic is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years of employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
XXXX Sincerely yours, XXXX XXXX I included pictures of all supporting inaccuracies.

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