Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
Here is the updated letter including a clear request to delete all negative items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear CFPB, I am writing to formally file a complaint regarding inaccurate and unverifiable information that appears on my TransUnion credit report dated XX/XX/XXXX. Despite my attempts to resolve these disputes directly with TransUnion, the issues remain unresolved. Below are the details of the disputed accounts : XXXX. XXXXXXXX XXXX Revolving Account Account Number : XXXX Details : Opened on XX/XX/XXXX, balance of {$3400.00} XXXX previously disputed this account, stating : 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. Since TransUnion has not provided proof, I request that this negative item be deleted. 

XXXX. XXXX XXXX Revolving Account Account Number : XXXX Details : Opened on XX/XX/XXXX, balance of {$9600.00} This account is reported as charged-off with a balance due, which I believe to be inaccurate. I requested proof of the charge-off or a correction to the status, but TransUnion has not provided any evidence. I request that this negative item be deleted. 

XXXX. XXXX XXXX XXXXXXXX Revolving Account Account Number : XXXX Details : Opened on XX/XX/XXXX, balance of {$1000.00} This account is being reported incorrectly as a charged-off account. Since TransUnion has failed to verify this information, I request that this negative item be deleted. 

XXXX. XXXXXXXX XXXX Revolving Account Account Number : XXXX Details : Opened on XX/XX/XXXX, balance of {$0.00} XXXX dispute the reported missed and late payments on this account. I requested payment records, but none have been provided. I request that this negative item be deleted. 

XXXX. XXXX XXXX Revolving Account Account Number : XXXX Details : Opened on XX/XX/XXXX, balance of {$3000.00} This account is being reported as charged-off with a balance due. Since TransUnion has not verified this information, I request that this negative item be deleted. 

XXXX. XXXX XXXX XXXX XXXX Account Account Number : XXXX Details : Balance of {$1500.00} ( original creditor : SMILE XXXX XXXX  ) I have no record of a contract with this debt collector. TransUnion has not provided proof of ownership or authority to collect this debt. I request that this negative item be deleted. 

XXXX. XXXX XXXX XXXX XXXX Account Account Number : XXXX Details : Balance of {$1000.00} ( original creditor : XXXX XXXX XXXX I do not have a contract with this debt collector. Since TransUnion has failed to provide proof of ownership or legal authority to collect this debt, I request that this negative item be deleted. 

In accordance with the Fair Credit Reporting Act ( FCRA ), if TransUnion can not provide verifiable proof for these accounts, I request that all negative items listed above be deleted from my credit report immediately. 

Thank you for your assistance in resolving this matter. I look forward to your response and updates on your investigation. 

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