Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Dispute Regarding Incorrect Reporting of Accounts by XXXX on TransUnion Credit Report Dear Sir/Madam , I am writing to formally dispute and bring to your attention an error in the reporting of my credit information by XXXX to TransUnion. Specifically, I am addressing the inaccurate reporting of 17 accounts associated with XXXX on my TransUnion credit report. 

These 17 accounts were previously reported as derogatory on my credit report. However, I wish to clarify that these accounts are in fact in good standing or have been paid as agreed. The reason for this discrepancy is due to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) that I received. 

As per the guidelines outlined in the XXXX XXXX process, once my discharge was approved, XXXX should have updated the status of these accounts to reflect that they were discharged due to my total and XXXX XXXX. Additionally, any payments made on or after the effective date of the discharge should have been refunded, as stipulated in the XXXX XXXX guidelines. 

Furthermore, it is important to note that these accounts should not be marked as closed, but rather should be marked in good standing or as paid as agreed. They should also remain on my credit report as evidence of my responsible repayment history prior to the discharge. 

I have already communicated this matter to TransUnion through a certified letter, providing documentation to support my claim. However, as the reporting entity, XXXX holds responsibility for accurately reporting my credit information to the credit bureaus. 

Therefore, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccurate reporting of these accounts by XXXX on my TransUnion credit report. Specifically, I request that : The 17 accounts associated with XXXX be updated to reflect their correct status as discharged due to total and XXXX XXXX. 
Any payments made on or after the effective date of the discharge be refunded as per the XXXX XXXX guidelines. 
The accounts be marked as in good standing or paid as agreed, rather than closed. 
The accounts remain on my credit report as evidence of my responsible repayment history prior to the discharge. 
I am enclosing copies of relevant documentation, including the XXXX XXXX approval, for your reference. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation and ensure that my credit report accurately reflects my credit status. 

Please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX if you require any further information or clarification. 

Sincerely, XXXX XXXX

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