Consumer complaint received 2024-10-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXXTransUnion Credit XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXSubject : Dispute of Unauthorized Credit Inquiries** **Re : File Number : XXXX Dear TransUnion, I am writing to dispute several inquiries on my credit report that I believe are unauthorized or incorrect. After reviewing my credit file, I noticed multiple inquiries that I did not authorize.

**Disputed Inquiries** : [ List each inquiry you believe is unauthorized, including the company name, location, and date of the inquiry. ] These inquiries were made without my consent and do not reflect any transactions or applications I initiated. They are affecting my credit score and could potentially impact my ability to obtain credit.

Please investigate these inquiries and remove them from my credit report. I have enclosed [ list any documentation, if available, that supports your claim, such as previous correspondence or identification
documents ] .Account Review Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Requested On 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested On XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Location XXXXXXXX XXXX XXXX XXXX XXXX XXXX Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone ( XXXX ) XXXX Under the Fair Credit Reporting Act, you are required to investigate my requests for dispute and verify their legitimacy. I appreciate your prompt attention to this matter and expect a resolution as soon as possible. Please confirm in writing once the inquiries have been removed.

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX It seems there was a temporary issue retrieving detailed information from your files, but I can still assist you in preparing a template for disputing any inaccuracies found with XXXX XXXX XXXX or XXXX, or any inquiries on your credit report. Here is a general template for a dispute letter : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject : Dispute of Inaccurate Information on Credit Report** **Re : File Number : XXXX Dear TransUnion, I am writing to dispute inaccurate information listed in my credit report under my accounts with [ XXXX XXXX XXXX XXXX XXXX ] and concerning specific inquiries. 

**Disputed Information** : - **Account Errors** : The account marked as [ CLOSED, incorrect status, payment details, etc. ] needs correction. The current entries do not accurately represent my account activity and history.

- **Inquiry Issues** : [ List inquiries you believe were made without permissible purpose or are incorrect, and explain why they should be removed. ] I am including documentation to substantiate my claims, such as communications from the financial institutions and proof of inaccuracies. Please re-evaluate these entries under the Fair Credit Reporting Act, and update my credit report with accurate information.

I expect a confirmation upon rectifying these errors and await your findings in writing.

Thank you for your prompt assistance in correcting this matter. Should you need any further clarification or documentation, please contact me at your earliest convenience.

Sincerely, XXXX XXXX XXXX If you need to draft a dispute letter regarding discrepancies with a XXXX XXXX account or any other financial information on your credit report, you can use the following template as a guide : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Credit XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXXSubject : Dispute of Inaccurate Information on Credit Report** **Re : File Number : XXXX Dear TransUnion, I am writing to dispute certain inaccuracies in my credit report concerning my account with XXXX  XXXX, Account Number : XXXX. It appears there are discrepancies that do not accurately represent my account status.

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*Disputed Information** : - **Account Closure Details** : The report erroneously indicates [ describe the discrepancy, e.g., incorrect closed by credit grantor status or payment terms ]. - **Incorrect Balance or Payment History** : There are inaccuracies in the balance or payment history reported during [ mention specific months or time periods if applicable ]. I have enclosed copies of supporting documents, such as recent account statements and communications from XXXX  XXXX, illustrating the corrections needed. Under the Fair Credit Reporting Act, please conduct a detailed investigation and rectify these inaccuracies. 

I request that my credit report be updated to accurately reflect my financial history and that your findings be communicated to me in writing once the investigation is concluded.

Thank you for your prompt assistance. If further information is needed, please do not hesitate to contact me via the details provided. 

Sincerely, XXXX XXXX XXXX Let 's draft a dispute letter regarding discrepancies with your XXXX XXXX XXXX account on your credit report. Heres how you might structure your letter : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Credit XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXSubject : Dispute of Inaccurate Information on Credit Report** **Re : File Number : XXXX Dear TransUnion, I am writing to contest certain inaccurate entries on my credit report concerning the XXXX XXXX XXXX account, Account Number : XXXX. I believe the details provided do not reflect my account history accurately.

**

Disputed Information** : - **Charge-off Status** : The report lists this account as a " Charge-off '' with a consistent past due amount of {$45000.00} across several months, which does not align with my records. - **Incorrect Balance Reporting** : There have been inaccuracies in the balance reported on several occasions, such as the jump to a high balance in XX/XX/XXXX that is not consistent with my payment records.

I am including documentation that supports my claims, such as account statements and correspondence from XXXX XXXX XXXX. These documents will illustrate the inconsistencies and aid in correcting my credit file.

Under the Fair Credit Reporting Act, I request an immediate investigation and rectification of these errors. Please update my credit report to reflect accurate account information, and I request written confirmation of these corrections once completed.

Thank you for addressing this matter urgently. If you require further details, please contact me at the information provided above. 

Best regards, XXXX XXXX XXXX To prepare a dispute letter for any discrepancies you've found in your credit report concerning accounts like XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX, here 's a general template you can use. You should customize this with specific details from each account that you wish to dispute : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Credit XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXSubject : Dispute of Inaccurate Information on Credit Report** **Re : File Number : XXXX Dear TransUnion, I am writing to dispute inaccuracies in my credit report related to my accounts with [ Name of the Institution : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX ]. I believe some information does not accurately reflect my account activity.

**Disputed Information** : - ** [ Account Number : Insert Account Number Here ] ** - **Discrepancy** : [ Clearly explain the error related to this account, such as incorrect charge-off status, balance inaccuracies, or inconsistent payment schedules. ] - **Supporting Details** : [ Include any supporting details, such as dates, incorrect amounts, and the correct information as per your records. ] Attached are documents that highlight the discrepancies and support my claim for corrections, including [ mention types of documents like payment confirmation, bank statements, etc. ].

As outlined under the Fair Credit Reporting Act, I request a thorough investigation of these inaccuracies and expect these errors to be corrected promptly in my credit file. Please update me with a written response confirming these corrections.

Thank you for your attention to this matter. Should you need additional information, you can reach me with the contact details provided above. 

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 explanation