Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
DearTransunion I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for account XXXX is completely accurate.It 's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. 

It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act andthat other consumer might be affected Having this type of information on a person'sa credit report is unfortunate and severely damaging, but having incorrect damaging information ona person 's credit report is unacceptable. 

Please forward to me the name of the person you spoke with atXXXX XXXXXXXX and the date that you spoke with them. I also want a confirmation of the address and phone number for the company. 

XXXX XXXX XXXX XXXXXXXX As I have said, this account is incorrect and should be deleted entirely. Please send me anupdated credit report along with the investigation procedures. 

FYI, I DO NOT want a generalizedresponse stating what you typically do in an investigation. 



Credit Card Balance : {$550.00} Item Codes XXXX XXXX Transunion Account # XXXX XXXX XXXX XXXXXXXX Account Type XXXX XXXX XXXX XXXX  Account Type - Detail XXXX XXXX  Credit Card XXXX XXXX XXXX XXXX XXXX Account Status XXXX XXXX XXXX Closed Monthly Payment XXXX XXXX XXXX {$0.00} Date Opened XXXX XXXX XXXX XXXXXX/XX/XXXX Balance XXXX XXXX XXXX XXXX$550.00} No. of Months ( terms ) XXXXXXXX XXXX XXXX  XXXX High Credit XXXXXXXX XXXX XXXX  {$610.00} Credit Limit XXXX XXXX XXXX {$610.00} Past Due XXXXXXXX XXXX XXXX {$160.00} Payment Status XXXXXXXX XXXX XXXX Collection/Chargeoff Last Reported XXXX XXXX XX/XX/XXXX Date Last Active XXXXXXXX XXXX XXXX XXXX  Date of Last Payment XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 7 Year History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Comments XXXXXXXX XXXX XXXX  Charged off as bad debt Dispute resolved; customer disagrees I do not recognize this at all. - I do not know what this is. Please investigate and remove from my report. 
Regrettably, it is with great disappointment that I must bring to your attention the fact that the aforementioned data pertaining to XXXX XXXX XXXX XXXXXXXX has not undergone the necessary certification processes to comply with established reporting standards. It is important to emphasize that the inclusion of this data does not provide any assurance of its accuracy, currency, or comprehensiveness. Furthermore, it is disheartening to note that this information may indeed be incomplete, outdated, or lacking the necessary support. Therefore, I respectfully request the removal of any incorrect or unsupported material from this page, as it is imperative to ensure the integrity and reliability of the content presented.

As a consumer, I have documented my profound disappointment regarding the quality of your reporting in this comprehensive document. Regrettably, it has come to my attention that the aforementioned report falls significantly short of the expected standards, rendering it non-compliant with legal obligations. It is essential to emphasize that both the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance regulations necessitate the utmost accuracy and timeliness in providing information, safeguarding the protection of my rights from any potential infringement. It is disheartening to find these crucial requirements unfulfilled, leading to a profound sense of dissatisfaction.

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