Consumer complaint received 2023-10-17 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: TX

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding my credit report and the practices of TransUnion. I have been facing a significant challenge due to an inaccurately reported debt on my credit file, and despite multiple attempts to rectify the situation, I have not received the necessary proof to validate this debt. 

First and foremost, I would like to provide some context for my situation. During the period from XXXX to XXXX, I experienced a series of devastating events in my life, including the untimely XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These traumatic events caused a great deal of emotional distress and turmoil in my life, and I made a conscious effort to refrain from entering into any new financial agreements during this time. 

The issue at hand is the debt that TransUnion is reporting as having occurred last year, in XXXX, with an open balance of {$5600.00}. To my knowledge, this debt actually dates back to XXXX, during the period of hardship I mentioned earlier. I have been diligently working to manage my financial obligations, and it is deeply troubling that TransUnion is inaccurately reporting the timeline of this debt, which is negatively impacting my credit score.

I have taken the following steps in an attempt to resolve this matter : I have taken the following steps in an attempt to resolve this matter : I initially contacted TransUnion to request verification of this debt. I asked for proof and documentation that would validate the debt 's existence and its timeline, as I firmly believe it should have been reported as occurring in XXXX. 

TransUnion, despite multiple attempts on my part, has not provided me with the necessary documentation to substantiate the debt 's validity.

I have a strong desire to rectify this situation and ensure that my credit report accurately reflects the timeline and details of this debt. The inaccuracies are unjustly affecting my financial standing and opportunities, making it difficult for me to secure loans, housing, and other essential services.

I kindly request your intervention and assistance in this matter. I would appreciate it if the Consumer Financial Protection Bureau could investigate this issue with TransUnion, urging them to provide the proof required to validate the debt 's timeline. It is my hope that your involvement will help to bring a swift resolution to this situation.

Please find enclosed copies of all relevant documents, including my correspondence with TransUnion, as evidence of my diligent efforts to resolve this issue. I am more than willing to cooperate fully with any further inquiries and investigations required to address this matter.

Thank you for your prompt attention to this matter. I look forward to a resolution that will rectify the inaccuracies on my credit report and provide me with the relief and justice I seek. You can reach me at the contact information provided above for any further communication or clarification regarding this issue. 

Sincerely, XXXX XXXX XXXX

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