Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report and identified the following inaccuracies : XXXX. XXXX XXXX Opened : XXXX : $ XXXX dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since this account was opened. 
XXXX. XXXX XXXX Opened : XXXX : $ XXXX account is incorrectly reported as charged off with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status. 
XXXX. XXXX Opened : XXXX : $ XXXX account is incorrectly reported as charged off with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status. 
XXXXXXXX XXXX XXXX XXXXccount Opened : XXXXBalance : $ XXXX dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since this account was opened. 
XXXX. XXXX XXXX Opened : XXXX : $ XXXX account is incorrectly reported as charged off with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status. 
XXXX. XXXX XXXX Opened : XXXX : $ XXXX account is incorrectly reported as charged off with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status. 
XXXX. XXXX XXXX XXXX Opened : XXXX : $ XXXX account is reported multiple times with the same creditor and open date. Please remove this error and any negative information associated with this account. 
XXXX XXXXAccount Opened : XXXX : $ XXXX current payment status of 90 days past due is incorrect because the balance is {$0.00}. 
XXXX XXXXAccount Opened : XXXX : $ XXXX account is incorrectly reported as charged off with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status. 
XXXXXXXX XXXX XXXX Account Opened : XXXX : $ XXXX current payment status of 90 days past due is incorrect because the balance is {$0.00}. 
XXXX. XXXX Account # Opened : XXXX : $ XXXX current payment status of 30 days past due is incorrect because the balance is {$0.00}. 
XXXX. Collection Account from XXXXccount Balance : $ XXXX Creditor : XXXX XXXX XXXX never had a contract with this debt collector. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX. Collection Account from XXXX XXXX XXXX : $ XXXX Creditor : XXXX XXXX XXXX never had a contract with this debt collector. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX. Collection Account from XXXX XXXXXXXX XXXXccount Balance : $ XXXX Creditor : XXXX XXXX never had a contract with this debt collector. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX. Collection Account from XXXXccount Balance : $ XXXX Creditor : XXXX XXXX XXXX XXXXXXXX XXXX never had a contract with this debt collector. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX. Collection Account from XXXX XXXX : $ XXXX Creditor : XXXX XXXX XXXX never had a contract with this debt collector. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX. XXXX Account from XXXX XXXX : $ XXXX Creditor : XXXX XXXX never had a contract with this debt collector. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX. XXXX Account from XXXX XXXX : $ XXXX Creditor : XXXX XXXX never had a contract with this debt collector. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. You are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. 
If you determine that the information is indeed inaccurate, please promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. 
I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, 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