Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Last XXXX of XXXX : - TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Regarding Inaccurate Reporting of Accounts Dear TransUnion, I am writing to formally dispute inaccuracies in the reporting of the following accounts on my credit report. Upon review, I identified multiple issues that violate the Fair Credit Reporting Act ( FCRA ). I request that you investigate these inaccuracies and correct them promptly. 

Account XXXX : XXXX XXXX Dispute Reason : This account was charged off in XX/XX/XXXX. However, the charge-off status is being updated monthly, which inaccurately impacts my credit report and score. A charge-off is a one-time event, and repeated updates are misleading. 
Additionally, the account reflects a balance of {$450.00} and a past-due amount of {$450.00}. If this account has been sold to a third party, the balance should reflect {$0.00} with the original creditor. 
Finally, the payment history is missing or incomplete, showing No payment history available to display. 

Account XXXX : XXXX XXXX XXXX XXXX : Th # is account is inaccurately updating the charge-off status monthly, despite being charged off on XX/XX/XXXX. This practice is misleading and unfair. 
The reported balance of {$240.00} and past-due amount of {$240.00}, including a high balance {$420.00} are inconsistent with the accounts status. If sold, the balance should reflect {$0.00}. 
The payment history is missing or incomplete, which raises concerns about the accuracy of this reporting. 

Account XXXX : XXXX XXXX XXXX : The charge-off for this account occurred on XX/XX/XXXX, but the charge-off status continued to update after initial charge-off. This is inaccurate and harmful to my credit. 
this account has been sold and paid, this account should be removed. 

Requested Actions For all three accounts, I respectfully request the following : XXXX. Remove improper monthly charge-off updates and ensure the charge-off is reported as a one-time event. 
XXXX. Correct the balance and past-due amount reporting to reflect the accounts accurate status ( e.g., {$0.00} balance if sold to a collection agency ). 
XXXX. Verify or update the payment history to ensure it is complete and accurate. 
XXXX. Remove from credit report. 

FCRA Compliance Under the FCRA, TransUnion is required to investigate disputes and ensure the accuracy and completeness of the information reported. I request that you complete your investigation within 30 days and notify me of the results in writing. 

If the information can not be verified, I request that it be corrected or removed from my credit report. 

Attachments : I have attached copies of my credit report with the disputed accounts highlighted, along with any supporting documentation. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. Due to my financial hardship crisis, I believe removal would be best course of action. I would greatly appreciate your understanding and assistance in this matter.

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