Consumer complaint received 2024-09-27 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: CA

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute inaccuracies in the credit reporting by multiple creditors and credit reporting agencies following my XXXX  XXXX bankruptcy discharge. Despite previous attempts to rectify these issues directly with the credit bureaus and the creditors involved, the discrepancies remain, affecting my credit unfairly. 

Discrepancies Noted : XXXX XXXX - The account status varies across reports, impacting the consistency of my credit history. The account should uniformly reflect " Discharged through Bankruptcy XXXX XXXX '' to accurately represent the legal status of the account post-bankruptcy. 

XXXX XXXX  - Although the discharge through bankruptcy is noted, the details surrounding the closing and last payment dates need verification and correction to match the records of my bankruptcy discharge documentation. 

XXXX XXXX XXXX - The reported information, though updated, still shows inconsistencies in the rating and account status post-bankruptcy, suggesting an error in how these details are recorded and reported. 

XXXX XXXX - Similar to other accounts, the updates made post-dispute do not reflect the uniform status of " Discharged through Bankruptcy XXXX XXXX '' across all reporting agencies. 

Requested Actions : Uniform Reporting : I request a thorough review and the uniform update of the status of all accounts involved to reflect " Discharged through Bankruptcy XXXX  XXXX '' across all credit reports ( XXXX, TransUnion, and XXXX ). 

Verification and Adjustment : All accounts should be verified against the bankruptcy discharge documentation, and any discrepancies should be corrected to ensure accurate reporting. 

Written Confirmation : I request written confirmation from each creditor involved detailing the actions taken to address these discrepancies, including a confirmation that all credit bureaus have been notified of the correct status. 

Credit Report Updates : I seek assistance in ensuring that the credit reporting agencies expedite the update process and provide me with updated copies of my credit reports at no charge to confirm these changes.

Documentation for Records : It is critical that I receive formal documentation from each creditor confirming the resolution of these discrepancies for my records. 

Enclosures : Copies of bankruptcy discharge documentation. 
Relevant sections of credit reports highlighting the discrepancies. 
Previous correspondence with creditors and credit bureaus regarding these disputes. 
This matter severely impacts my financial well-being and creditworthiness. I trust that the CFPB will assist in resolving these issues promptly and fairly. Thank you for your attention to this serious concern. 

Sincerely,

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