Consumer complaint received 2025-01-06 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: CA

Complaint narrative:
Subject : Follow-Up Dispute Regarding XXXX XXXX  This is a follow-up to my previous dispute regarding inaccuracies and inconsistencies in the reporting of the XXXX XXXX  account ( XXXX XXXX ) on my credit report. Despite my previous attempts to bring these issues to your attention, you have failed to investigate and correct the errors within the timeframes outlined in the Fair Credit Reporting Act ( FCRA ). 

As I previously outlined, the following discrepancies remain unresolved and continue to harm my credit profile : 1. Date Opened : TransUnion lists the date opened as XX/XX/XXXX, while XXXX lists it as XX/XX/XXXX. These dates must align. 
2. Credit Limit : TransUnion reports a credit limit of {$2400.00}, whereas XXXX incorrectly lists {$0.00}. This inaccuracy misrepresents the terms of my account. 
XXXX. Date of Last Payment : The last payment date differs between TransUnion ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). 
XXXX. Date Last Active : TransUnion lists XX/XX/XXXX, while XXXX reports XX/XX/XXXX. 
XXXX. Comments Section : TransUnion states Charged off as bad debt ; Profit and loss write-off, while XXXX states Charged off account ; Credit card. 
6. Payment History : XXXX displays inconsistent payment reporting, with OK statuses followed by charge-offs, contradicting the accounts actual charge-off status. 
7. Balance and Past Due Amount : Both bureaus report {$3200.00} as the balance and past due amount. A charged-off account should reflect a {$0.00} balance and no past due amount, as the debt has been written off. 

I am deeply concerned by your failure to correct these discrepancies, as mandated under the FCRA. Your inaction violates the following FCRA provisions : Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : Responsibility to report information with maximum possible accuracy.

Section 611 ( a ) [ 15 U.S.C. 1681i ] : Obligation to investigate disputed information and correct or remove inaccuracies.

Section 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ] : Consumers right to clarity and accurate reporting. 

Despite my earlier dispute, you have failed to meet your legal obligations, and I demand immediate resolution. I insist that the following actions be taken : Conduct a full reinvestigation of the inaccuracies.

Correct or delete the erroneous information.

Provide me with a written explanation of the results of your investigation.

Supply me with an updated copy of my credit report reflecting the corrected information. 

Additionally, I want to make it clear that I am keeping a detailed record of all correspondence regarding this matter, including dates of disputes, the content of each communication, and your responsesor lack thereof. Your failure to act within the legally required timeframes will be used as evidence in any formal complaints or legal action I pursue. 

Failure to comply within 15 days of receipt of this letter will leave me no choice but to escalate the matter further. I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. Furthermore, I am prepared to pursue legal remedies to ensure compliance with the FCRA and to hold your organization accountable for the harm caused by these inaccuracies. 

I expect your prompt response and resolution of 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