Consumer complaint received 2024-09-11 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: IL

Complaint narrative:
I am writing to formally dispute discrepancies I have found between my credit reports from TransUnion and XXXX. I have reviewed both reports and noticed that certain information is inconsistent, which I believe requires correction. Please note that this account is deleted from XXXX Discrepancy Information : Discrepancy in Charge-Off Reporting TransUnion Report : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion shows a charge-off date of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inconsistency affects my credit score and the accuracy of my credit profile. 
Discrepancy in Account Last verified TransUnion Report : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ on TransUnionXXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discrepancy in Account Date of last activity TransUnion Report : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Date of last activity : [ on TransUnionXXXX ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of last activity : [ on XXXX XX/XX/year> XXXX Discrepancy in Account Date of opened TransUnion Report : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Date of opened : [ on TransUnionXXXX ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of opened : [ XXXX XXXX XX/XX/year> ] XXXX. Discrepancy in Account Date of closed TransUnion Report : Account Name : XXXXXXXX XXXX XXXX XXXX  Date of closed : [ on TransUnionXXXX ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : The account status reported by TransUnion does not match the status reported by XXXX . For instance, TransUnion shows this account as the last activity with a different date, whereas XXXX lists it as XX/XX/year>. This inconsistency could mislead potential creditors about my creditworthiness. This is a charge-off account however, the creditor is reporting it as charge- off every month which is not accurate according to FCRA law 15 U.S. Code 1681 ( e ) and 15 U.S. Code 1681 ( i ) Request for Resolution : Correct the Discrepancies : I request that you investigate these discrepancies and update my credit report to reflect accurate and consistent information. Please align the data between TransUnion and XXXX to ensure accuracy. 
Provide Written Confirmation : I request written confirmation once the necessary corrections have been made or if additional information is required. 
Enclosures : Copies of my credit reports from TransUnion and XXXX with discrepancies highlighted.

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