Consumer complaint received 2025-01-26 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: TN

Complaint narrative:
Subject : Formal Dispute and Request for Investigation Account # XXXX I am writing to formally dispute the reporting of the account referenced above as it appears on my credit reports provided by TransUnion, XXXX, and XXXX. The discrepancies in how this account is reported across the bureaus, along with XXXX 's history of inadequate investigation practices, warrant immediate correction and clarification. 

Specific Discrepancies Noted : Account Information : Account Status : Listed as " Indeterminate '' by both TransUnion and XXXX, but no status is reported by XXXX. 
Payment Status : TransUnion indicates " Payment after charge off/collection, '' whereas XXXX lists `` Charge-off. '' XXXX has failed to report any payment status. 
Last Reported Date : TransUnion shows XX/XX/year>, while XXXX shows XX/XX/year>. XXXX provides no reporting on this account. 

Payment History : XXXX records " OK '' payments for most months but inconsistently notes " 30 '' and " 60 '' days late in XXXX and XX/XX/year>, respectively. Neither TransUnion nor XXXX provides comparable payment history, making it impossible to verify the accuracy of these claims Additional Comments : The account comments indicate " Purchased by another lender, '' yet no further details or supporting documentation regarding this transfer have been provided by any bureau. 
Concerns Under the Fair Credit Reporting Act ( FCRA ) : Inconsistent and Incomplete Reporting : The differences in account details between TransUnion, XXXX, and XXXX violate the FCRA 's requirement for accuracy and completeness. Furthermore, XXXX 's failure to report basic details for this account demonstrates a lack of compliance with maintaining an accurate credit file. 

Sham Investigations by XXXX and XXXX XXXX and XXXX has a documented history of conducting superficial and insufficient investigations into consumer disputes. This pattern raises serious concerns about whether XXXX and XXXX are meeting its legal obligations to investigate disputes thoroughly and correct inaccurate information. 

Verification and Documentation : None of the credit reporting agencies have provided adequate documentation to substantiate the reported account details, such as the terms of the loan, the transfer to another lender, or proof of the alleged late payments. 

Resolution Requested : Conduct a thorough and detailed investigation into the reporting of this account. 
Provide full verification of the account details, including : Documentation of the transfer of the account to another lender. 
Proof of the account 's payment history. 
Verification of the correct payment status and dates. 
Remove or correct any inaccurate, incomplete, or unverifiable information. 
Provide a written explanation of the findings and actions taken within 30 days, as required by the FCRA.

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