Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally lodge a complaint against TransUnion for failing to respond to my dispute letters concerning errors on my credit report. Despite my diligent efforts to address these inaccuracies, I have yet to receive any acknowledgment or resolution from TransUnion. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i - Procedure in Case of Disputed Accuracy, credit reporting agencies are required to investigate disputed items within 30 days of receiving a dispute. Additionally, if the disputed information is found to be inaccurate or can not be verified, it must be corrected or deleted promptly. 

XXXX : Account number : XXXX, I dont have a history of being late on this account. Update this on my report. 

XXXX  : Account number : XXXX, This debt is stating it is a charge off with a balance of {$0.00}. The debt was forgiven. How can it be a charge off? This is no debt to charge off. Please delete it if there is no proper verification given for this account. 

XXXX : Account number : XXXX, A charge off account with balance? Clearly, this is an inaccuracy. Erase the account from my credit report. 

XXXX CO XXXX : Account number : XXXX, Unauthorized account reporting. Delete the account. 

XXXX FUNDING ( Original XXXX FIRST DIGITAL FDC XXXX BANK ) : Account number : XXXX, Unauthorized account reporting. Delete the account. 

XXXX XXXX  : Account number : XXXX, How can this be labeled as a repossession or charge off if I still have the vehicle and there is a {$0.00} balance? This information is incomplete. Delete the account. 

XXXX XXXX : Account number : XXXX, The status of this account is showing as a charge off however how can it be a charge off when it was paid? This is an error. Delete the account. 

FST PREMIER : Account number : XXXX, If the credit limit is a fixed amount, why is it showing a higher limit in highest balance if i only have access to a specified credit limit. This is clearly an error. Delete the account. 

XXXX : Account number : XXXX, Paid and never late. Update this on my report. 

XXXX XXXX : Account number : XXXX, The highest credit limit is reporting inconsistently and inaccurately to each bureau. This is clearly an error that has not been addressed. Delete the account. 

XXXX XXXXXXXX XXXX : Account number : XXXX, A charge off account with balance? Clearly, this is an inaccuracy. Remove this account ASAP. 

XXXX : Account number : XXXX, There shouldnt be any late payment on a paid account. Update this on my report. 

XXXXXXXX XXXX XXXX : Account number : XXXX, The date of last activity is incorrect. You need to remove the account immediately.. 

XXXX XXXX XXXX  : Account number : XXXX, The balance owed is inaccurate. I believe this account to be unverifiable due to me not having an agreement with this agency. Please delete 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