Consumer complaint received 2025-01-13 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Transunion failed to perform an investigation and delete the disputed information. 

Account Name : XXXX  Account Number : XXXX Balance : {$0.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$0.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Transunion failed to perform an investigation and delete the disputed information. 

Account Name : XXXX  Account Number : XXXX Balance : {$0.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Transunion failed to perform an investigation and delete the disputed information. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$0.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Transunion failed to perform an investigation and delete the disputed information. 

Account Name : XXXX  Account Number : XXXX Balance : {$1700.00} Reason : The open date reported on this collection is wrong and its negatively affecting my score. On my Transunion report from XX/XX/XXXX the open date for this collection is reported as XX/XX/XXXX. Please remove this collection account immediately since it is reporting false information. 

Account Name : XXXX  Account Number : XXXX Balance : {$5100.00} Reason : The open date reported on this collection is wrong and its negatively affecting my score. On my Transunion report from XX/XX/XXXX the open date for this collection is reported as XX/XX/XXXX. Please remove this collection account immediately since it is reporting false information. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$1800.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$1600.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$13000.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 

Account Name : XXXX Account Number : XXXX Balance : {$23000.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 

Account Name : XXXX Account Number : XXXX Balance : {$16000.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$8200.00} Reason : The original creditor is XXXX XXXX XXXX XXXX. I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 

These items are either inaccurately reported or have already been resolved, and I sincerely request a thorough investigation and correction. I have reached out to both the credit reporting agency and the data furnisher, but unfortunately, the issue remains unresolved. I have attached supporting documentation, including screenshots of my credit report, to clearly illustrate the inaccuracies and support my claim. I appreciate your attention to this matter and kindly ask for a prompt investigation and update to my credit report, as accurate information is crucial for my financial well-being. Thank you for your understanding.

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