Consumer complaint received 2024-11-30 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: FL

Complaint narrative:
I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$240.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. This account does not belong to me, XXXX and XXXX have already removed this due to the lack of evidence proving this account is mine! 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$560.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$4700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX and XXXX have deleted this account due to unverified and lack of proof along with multiple inaccurate information XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$420.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. XXXX has already update this to current, why are you putting false information on my credit report? 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. XXXX has deleted this account from my report due to the lack of unverified/inaccurate information I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''The current payment status of XXXX  days past due is incorrect because the balance due on this account is {$0.00}. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''The current payment status of XXXX  days past due is incorrect because the balance due on this account is {$0.00}. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''The current payment status of XXXX  days past due is incorrect because the balance due on this account is {$0.00}. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$5.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX and XXXX report there are XXXX late payments being reported. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Collection account from XXXX XXXX  with account # XXXX and a balance of {$1100.00}. The original creditor is XXXX XXXX XXXX XXXX  XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
I demand that you delete the disputed information, and according to the FCRA Section 605B it is illegal to put information on my credit report without my permission! I expect for you to send proof or adhere to my FTC report filed that I have uploaded for the third time, the next time will be a lawsuit for violating my consumer rights!

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