Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for ReInvestigation and Correction of Inaccurate Credit Report Information XXXX  Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$33000.00}. Account is reporting Closed Account/ or Charged off. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$3100.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX  Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$28000.00}. Account is reporting Closed Account/ or Charged off. 
I previously disputed this account stating : " This account is incorrectly reporting that I have XXXX late payments. On my XXXX  report there are XXXX late payments being reported. ''. I don't agree with the results of your investigation. 
XXXX Recreational Merchandise with account # XXXX opened on XX/XX/XXXX and a balance of {$33000.00}. Account is reporting Closed Account/ or Charged off. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3200.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. Account is reporting Closed Account/ or Charged off. I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$28000.00}. Account is reporting Closed Account/ or Charged off. 
I previously disputed this account stating : " This account is incorrectly reporting that I have XXXX late payments. On my XXXX  report there are XXXX late payments being reported. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$33000.00}. Account is reporting Closed Account/ or Charged off. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX  report there are XXXX late payments being reported. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. Account is reporting Closed Account/ or Charged off. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. Account is reporting Closed Account/ or Charged off. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$28000.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1600.00}. Account is reporting Closed Account/ or Charged off. The original creditor is XXXX XXXX XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$33000.00}. Account is reporting Closed Account/ or Charged off. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX  report there are XXXX late payments being reported. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. Account is reporting Closed Account/ or Charged off. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. Account is reporting Closed Account/ or Charged off. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$28000.00}. Account is reporting Closed Account/ or Charged off. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative.

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