Consumer complaint received 2024-11-19 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information regarding the XXXX account ( Account # XXXX ) that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported about me is accurate, complete, and verifiable. Upon reviewing this account, I have identified multiple discrepancies that require immediate investigation and correction. 

Details of Discrepancies 1. Incomplete Reporting Across Credit Bureaus : The account is reported only to TransUnion, with no information appearing on XXXX or XXXX. This inconsistency raises questions about the accuracy and completeness of the reporting process. 
Action Requested : Verify whether this account should be reported to all three bureaus or remove the account if it can not be validated.

2. Missing Payment History : TransUnions report does not include any payment history for this account, despite showing a last payment date of XX/XX/XXXX. Payment history is an essential component of accurate reporting and should reflect all payments made ( or missed ). 
Action Requested : Verify and provide a complete payment history for this account or confirm if no payments were ever made.

3. Credit Limit Listed as {$0.00} : The credit limit for this account is reported as {$0.00}, which is highly unusual for a lease or personal loan account. The credit limit should reflect the loan amount or lease value.

Action Requested : Update the credit limit to accurately reflect the original loan or lease terms.

4. Term Length and Charge-Off Timeline : The account was opened on XX/XX/XXXX, with a term length of 12 months, yet it was charged off by XX/XX/XXXX. This accelerated charge-off timeline raises concerns about whether proper notice or grace periods were followed before the account was closed. 
Action Requested : Verify the timeline for delinquency and charge-off to ensure compliance with industry standards and creditor policies. 
5. Balance Owed vs. Past Due Amount : The balance owed is listed as {$610.00}, while the past due amount is reported as {$550.00}, with no explanation for the discrepancy.

Action Requested : Confirm and clarify the discrepancy between the balance owed and the past due amount. Provide supporting documentation.

Requested Actions I respectfully request that you : 1. Investigate and verify the accuracy of the discrepancies outlined above.

2. Update my credit report to reflect accurate and complete information or remove this account if the creditor can not provide sufficient documentation to validate the data.

3. Provide me with a corrected credit report after your investigation.

4. Notify me of the results of your investigation within 30 days as required by law.

I have attatched a copy of my identification, proof of address, and the relevant section of my credit report for your reference. Thank you for your attention to this matter. 

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