Consumer complaint received 2024-08-05 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: MA

Complaint narrative:
I am writing to dispute inaccurate information in my credit report under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). The information pertains to the TD Auto Finance account and includes several inaccuracies that need correction.

**Account Information : ** - **Account Number : ** XXXX - **High Balance : ** {$21000.00} - **Last Verified : ** XX/XX/XXXX - **Date of Last Activity : ** XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) - **Date Reported : XXXX XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) - **Date Opened : ** XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXXXXXX XXXX XXXXXXXX ) - **Balance Owed : ** {$690.00} ( TransUnion ), {$690.00} ( XXXXXXXX XXXX XXXXXXXX ) - **Closed Date : ** XX/XX/XXXX ( TransUnion ), not provided by XXXXXXXX XXXX XXXXXXXX - **Account Rating : ** Derogatory - **Account Description : ** Individual - **Dispute Status : ** Account not disputed - **Creditor Type : ** Auto Financing ( TransUnion and XXXX ), All Banks ( XXXX ) - **Account Status : ** Closed - **Payment Status : ** Collection/Chargeoff XXXX **Creditor Remarks : ** Charged off as bad debt ( TransUnion ), Merchandise was taken back by XXXX XXXX ; there XXXX be a balance due ( XXXX ), Charged off account ( XXXX ) - **Payment Amount : ** {$0.00} - **Last Payment : ** XX/XX/XXXX ( TransUnion and XXXX XXXX, XX/XX/XXXX ( XXXX ) - **Term Length : XXXX XXXX XXXX XXXX XXXX ) - **Past Due Amount : ** {$690.00} ( TransUnion ), {$690.00} ( XXXX and XXXX ) - **Account Type : ** Auto Loan - **Payment Frequency : ** XXXX ( every month ) ( TransUnion ) - XXXX Limit : ** {$0.00} This information is inaccurate for the following reasons : 1. **Date of Last Activity : ** Conflicting dates across TransUnion XXXX XXXX, and XXXX XXXX 
2. **Date Reported : ** Different reporting dates across the credit bureaus.

3. **Date Opened : ** Discrepancies between TransUnion and the other bureaus.

4. **Balance Owed : ** Inconsistent amounts reported by TransUnion and the other bureaus.

5. **Creditor Remarks : ** Differing comments about charge-off status and merchandise return.

6. **Last Payment Date : ** Different last payment dates between the credit bureaus.

Attached are copies of my credit reports from TransUnion, XXXX, and XXXX, highlighting the discrepancies in the information reported by each bureau. Additionally, I have included any supporting documentation that can help verify the inaccuracies mentioned above. 

I request that you investigate these matters and remove or correct the inaccurate information from my credit report. According to the Fair Credit Reporting Act, you are required to verify the disputed items within 30 days. I appreciate your prompt attention to 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