Consumer complaint received 2024-10-18 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. The following items are incorrect and are having a negative impact on my credit score : TRANSUNION : ACCOUNT NAME : XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXXXXXX  BALANCE : {$510000.00} Reason : This account is being inaccurately reported on my credit report. I recently reviewed my credit report, and it only appears on my TransUnion account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$81000.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor confirming that this debt collector owns the debt and has the legal authority to collect it, or please remove this account. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX  DATE OPENED : XX/XX/XXXXXXXX  BALANCE : {$55000.00} Reason : This account is inaccurately reported on my credit report. I recently reviewed my report, and it only appears on my TransUnion account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status associated with this account. 

ACCOUNT NAME : XXXX XXXX XXXX 
ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXXXXXX  BALANCE : {$120000.00} Reason : This account is inaccurately reported on my credit report. Upon reviewing it recently, I noticed that it only shows up on my TransUnion account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} Reason : I have never entered into a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or remove this account. 

ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} Reason : I have never contracted with this debt collector. Please provide proof from the original creditor that they own the debt and have the right to collect it, or remove this account. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXXXXXX  BALANCE : {$8900.00} Reason : I have no agreement with this debt collector. Please provide proof from the original creditor that they own the debt, or delete this account. 

XXXX : I am writing to formally dispute inaccurate information on my credit report. The following items are incorrect and are having a negative impact on my credit score : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$120000.00} Reason : This account is being inaccurately reported on my credit report. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor confirming that this debt collector owns the debt and has the legal authority to collect it, or please remove this account. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXXXXXX   BALANCE : {$8900.00} Reason : This account is inaccurately reported on my credit report. I recently reviewed my report, and it only appears on my TransUnion account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status associated with this account. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXXXXXX   BALANCE : {$81000.00} Reason : This account is inaccurately reported on my credit report. Upon reviewing it recently, I noticed that it only shows up on my TransUnion account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXXXXXX  BALANCE : {$55000.00} Reason : I have never entered into a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or remove this account. 

ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$510000.00} Reason : I have never contracted with this debt collector. Please provide proof from the original creditor that they own the debt and have the right to collect it, or remove this account. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXXXXXX  BALANCE : {$0.00} Reason : I have no agreement with this debt collector. Please provide proof from the original creditor that they own the debt, or delete this account.

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