Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
I previously submitted a dispute to Transunion regarding XXXX XXXX XXXX. XXXX {$910.00}. I have asked that they validate/verify this debt as the statement XXXX XXXX XXXX sent me as verification is full of incomplete and inaccurate information. The statement does not include any transaction history. It shows interest charges on purchases {$16.00}, Interest charges on cash advances {$1.00}. Total interest {$18.00}. With totals year to date charges of {$40.00} fees and Total interest charged {$100.00}. Yet, the amount on the statement is {$910.00}. There is no documentation to support that amount and the statement sent to me is not in anyway a validation of debt. I asked Transunion and XXXX XXXX  previously to explain these inaccuracies or delete the account from credit file per the Fair Credit Reporting Act as all information should be complete and accurate. Neither Transunion or XXXX has complied genuinely with my requests, instead Transunion sent me back a response advising the account had been " verified as accurate '' with no explanation or details or proof to support their response. I do not believe they contacted the furnisher and if they did, they did not do any type of investigation. Nor did they address anything in my dispute. I sent them the statement of XXXX XXXX XXXX and I also sent them proof that XXXX removed this account from my credit file after my dispute to them. Transunion ignored all of this as well as XXXX XXXX How can they continue to report this account after XXXX has deleted it? Please review and delete this account from my credit file. 

Please see below proof XXXX removed this account : Also attaching statement XXXX XXXX XXXX sent me as validation of debt Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXXXXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX XXXXXXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX, XXXX XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTUAL PAYMENT Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you.

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