Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Me and customer service that works for XXXX told me if I pay the remainder balance on this account it would be closed and removed off my credit report but has failed to do so. The information also being reported on my credit is incorrect on all credit bureaus. The day opened in incorrect and the date closed is incorrect. All information supposed to be 100 % accurate. These issues show a disregard for the norms that ought to be observed. You are in charge of making sure that all data is presented in a way that complies with compliance requirements. Anything less than conformance violates industry norms and is not acceptable. A particular field on my credit report is misreported, and it's inconsistent with the other bureaus. The item needs to be addressed and adjusted. Date Opened : The field under dispute contains information that doesn't match the other credit bureaus. Make necessary modifications. High Credit : The contested field is inaccurate and dissimilar from that provided by the other credit bureaus. Find a resolution to this field 's problem. Last Reported : The field in question is incorrect and contains information that is different from what the other credit bureaus have. Fix the problem and update my account. Comments : On the credit report, there is a field that clearly contains incorrect information. This information needs to be updated. Date Last Active : The credit report continues to inaccurately represent the error in this field. The inaccurate information should be examined and fixed. Date of Last Payment : Due to the fact that it's not factual, the information is erroneous. Asking to verify under the law or address it. Payment History : The reported field is inaccurate on the credit report due to the way it has been reported, and it does not match the information from other bureaus. The item needs to be fixed promptly and without delay.

My credit score and financial stability could be negatively impacted by these mistakes. Therefore, in order to correct these errors, I kindly request a thorough investigation into this matter. You are aware of the importance of accurate credit reporting and the potential consequences of errors, I think. 

I have the right under the Fair Credit Reporting Act to request an investigation into these matters, and I have every confidence that you will comply with the legal requirement to respond to this dispute notice within thirty days.

I am aware that these kinds of checks can be difficult and require special methods. But considering how important this is to me, I would really appreciate it if you could move more quickly. In order to resolve this issue, your abilities and commitment to accurate and fair credit reporting would be very helpful.

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