Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Account XXXX XXXX XXXX  Dear TransUnion, I am disputing the following account on my credit report : Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  This account is reported as Voluntary Surrender for over XXXX years. This is inaccurate and misleading. The account should have been updated once to reflect the surrender and final balance. Continuing to report VS each month misrepresents the account and suggests ongoing delinquency. 
Under the Fair Credit Reporting Act ( FCRA ), Sections 607 ( b ) and 611 ( a ), you are required to ensure all information is accurate, complete, and verified. If the information can not be verified as accurate, it must be corrected or removed. 
If this dispute is not resolved promptly and the account is not corrected or removed, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory authorities. 
Please investigate this account, correct or delete any inaccurate information, and provide written confirmation of the results along with an updated credit report. 

Sincerely, XXXX XXXX XXXX XXXX Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00} {$380.00} Account Information Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type XXXX  Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$18000.00} Past Due {$5200.00} Pay Status >Voluntary Surrender< Terms {$380.00} per month, paid Monthly for XXXX  months Estimated month and year this item will be removed XX/XX/XXXX Remarks VOLUNTARY SURRENDER Payment History Payment/Remarks Key Date : Rating : XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX XXXX  days late XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX XXXX  days late XXXX XXXX XXXX XXXX  days late XXXX XXXX XXXX XXXX  days late XXXX XXXX XXXX XXXX  days late XXXX XXXX XXXX XXXX days late XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX XXXX surrendered XXXX XXXX RatingVSVoluntarily surrendered

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