Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4415966
Complaint Overview
Complaint ID: 4415966
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 761XX
Date Received: 2021-05-29T12:00:00-05:00
Date Sent to Company: 2021-05-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have asked the bureaus to update my address to XXXX XXXX XXXX. XXXX XXXX, TX XXXX have asked them to remove all other addresses and all other invalid information from the " Previous Address '' fields. See report. They have FAILED to do so. Here are the accounts disputed and reasons I feel they should be DELETED ASAP listed below. Remember, I have been disputing these items for over 1 year to no avail. XXXX XXXX DATE LAST ACTIVE IS DIFFERENT ON ALL 3 BUREAUS TRANSUNION XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX THE ACOUNT IS REPORTING INVALID LATE PAYMENTS. THE 2 YEAR PAYMENT HISTORY GOES FROM OK TO 90 DAYS. THIS CANT BE CORRECT. THE BUREAUS STATE THE DISPUTE WAS RESOLVED. LOOK AT MY CREDIT REPORT. THE OBVIOUS ERRORS ARE STILL THERE. XXXX XXXX DATE LAST ACTIVE IS DIFFERENT ON ALL 3 BUREAUS. THE DATES SHOULD ALL BE THE SAME. TRANSUNION XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX DATE OPENED IS DIFFERENT, DATE OF LAST PAYMENT IS DIFFERENT. THE 2 YEAR PAYMENT HISTORY IS DIFFERENT FOR ALL 3 BUREAUS. XXXX XXXX XXXX LISTED AS A COLLECTION/CHARGEOFF. THE STATUS STATES MEETS FCRA REQUIREMENTS. HOW CAN THIS BE WHEN THERE IS A PAST DUE AMOUNT OF {$690.00}. A CHARGEOFF SHOULD NOT HAVE A PAST DUE BALANCE. DATE OPENED/LAST PAYMENT IS DIFFERENT ON ALL 3 BUREAUS. DATE LAST ACTIVE IS DIFFERENT ON ALL 3 BUREAUS. THE DATES SHOULD ALL BE THE SAME. TRANSUNION XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX THE 2 YEAR PAYMENT HISTORY IS DIFFERENT ON ALL XXXX BUREAUS. XXXX XXXX XXXX DATE LAST ACTIVE IS DIFFERENT ON ALL 3 BUREAUS. TRANSUNION XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX THE ACCOUNT IS LISTED AS A COLLECTION/CHARGE OFF BUT THERE IS ALSO A PAST DUE BALANCE IN THE AMOUNT OF {$340.00}. A CHARGE OFF SHOULD NOT HAVE A PAST DUE BALANCE. DATE OPENED AND DATE OF LAST PAYMENT IS DIFFERENT ON ALL 3 BUREAUS. THE 2 YEAR PAYMENT HISTORY IS DIFFERENT ON ALL 3 BUREAUS. XXXX XXXX DATE LAST ACTIVE IS DIFFERENT ON ALL XXXX BUREAUS. TRANSUNION XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX THE ACCOUNT IS LISTED AS A COLLECTION/CHARGE OFF BUT THERE IS ALSO A PAST DUE BALANCE IN THE AMOUNT OF {$1100.00}. A CHARGE OFF SHOULD NOT HAVE A PAST DUE BALANCE. DATE OPENED AND DATE OF LAST PAYMENT IS DIFFERENT ON SOME BUREAUS. THE 2 YEAR PAYMENT HISTORY IS DIFFERENT ON ALL 3 BUREAUS. XXXX ( Original Creditor : XXXX XXXX XXXX PA XXXX XXXX DATE LAST ACTIVE IS DIFFERENT ON 2 BUREAUS. TRANSUNION XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX DATE LAST ACTIVE IS DIFFERENT ON 2 BUREAUS. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ( Original Creditor : ) XXXX THIS ACCOUNT DOES NOT STATE WHO THE ORIGINAL CREDITOR IS. IT IS AN UNKNOWN COLLECTION AND NEEDES TO BE REMOVED. ( Original Creditor : ) XXXX THIS ACCOUNT DOES NOT STATE WHO THE ORIGINAL CREDITOR IS. IT IS AN UNKNOWN COLLECTION AND NEEDES TO BE REMOVED. ( Original Creditor : ) XXXX THIS ACCOUNT DOES NOT STATE WHO THE ORIGINAL CREDITOR IS. IT IS AN UNKNOWN COLLECTION AND NEEDES TO BE REMOVED. XXXX XXXX XXXX XXXX THE ACCOUNT IS LISTED AS A COLLECTION/CHARGE OFF BUT THERE IS ALSO A PAST DUE BALANCE IN THE AMOUNT OF {$650.00}. A CHARGE OFF SHOULD NOT HAVE A PAST DUE BALANCE. XXXX XXXX DATE LAST ACTIVE IS DIFFERENT ON 2 BUREAUS. TRANSUNION XX/XX/XXXX, XXXX XX/XX/XXXX THE ACCOUNT IS LISTED AS A COLLECTION/CHARGE OFF BUT THERE IS ALSO A PAST DUE BALANCE IN THE AMOUNT OF {$1300.00}. A CHARGE OFF SHOULD NOT HAVE A PAST DUE BALANCE. DATE OPENED IS DIFFERENT ON 2 BUREAUS. XXXX XXXX XXXX XXXX CREDIT SHOWS {$480.00} ON TRANSUNION XXXX {$0.00} ON XXXX AND {$460.00} ON XXXX XXXX THIS SHOULD BE THE SAME ON ALL 3 BUREAUS. DATE LAST ACTIVE IS DIFFERENT ON 2 BUREAUS. TRANSUNION XX/XX/XXXX, XXXX XX/XX/XXXX THE 2 YEAR PAYMENT HISTORY DOES NOT MATCH AND IT IS STILL REPORTING YEARS AFTER THE ACCOUNT SHOWS CLOSED. SEE ATTATCHMENT. XXXX FI XXXX THE ACCOUNT IS LISTED AS A COLLECTION/CHARGE OFF BUT THERE IS ALSO A PAST DUE BALANCE IN THE AMOUNT OF {$350.00}. A CHARGE OFF SHOULD NOT HAVE A PAST DUE BALANCE. XXXX XXXX XXXX DATE LAST ACTIVE IS DIFFERENT ON ALL 3 BUREAUS. TRANSUNION XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX THE ACCOUNT IS LISTED AS A COLLECTION/CHARGE OFF BUT HAS CONTINUED TO REPORT YEARS AFTER THE CLOSE DATE. DATE OPENED AND DATE OF LAST PAYMENT IS DIFFERENT ON SOME BUREAUS. THE 2 YEAR PAYMENT HISTORY IS DIFFERENT ON ALL XXXX BUREAUS. THE ACCOUNT CONTINUES TO REPORT LATE YEARS AFTER THE CLOSE DATE. XXXX XXXX XXXX DATE LAST ACTIVE IS DIFFERENT ON ALL XXXX BUREAUS. TRANSUNION XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX DATE OPENED AND DATE OF LAST PAYMENT IS DIFFERENT ON SOME BUREAUS. THE 2 YEAR PAYMENT HISTORY IS DIFFERENT ON AT LEAST 2 BUREAUS. THE ACCOUNT CONTINUES TO REPORT LATE YEARS AFTER THE CLOSE DATE. XXXX XXXX LISTED AS A COLLECTION/CHARGEOFF. HOW CAN THIS BE WHEN THERE IS A PAST DUE AMOUNT OF {$1500.00}. A CHARGEOFF SHOULD NOT HAVE A PAST DUE BALANCE. DATE OPENED/LAST PAYMENT IS DIFFERENT ON AT LEAST 2 BUREAUS. DATE LAST ACTIVE IS DIFFERENT ON ALL 3 BUREAUS. THE DATES SHOULD ALL BE THE SAME. TRANSUNION XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX THE 2 YEAR PAYMENT HISTORY IS DIFFERENT ON ALL 3 BUREAUS. THE BALANCE SHOWS {$1500.00} AND THE HIGH CREDIT SHOWS {$1300.00} ON TRANSUNION AND XXXX. THE HIGH CREDIT SHOULD NOT BE LOWER THAN THE BALANCE. Chapter XXXX Bankruptcy DATE FILED IS DIFFERENT ON AT LEAST 2 BUREAS TRANSUNION XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EACH BUREAU SHOULD REPORT THE NAME OF THE COURT FOLLOWED BY THE CITY AND STATE TRANSUNION SHOWS- U.S. Bankruptcy Court , XXXX SHOW-US BKPT CT TX XXXX XXXX XXXX XXXXHOWS- Federal EVERYTHING LISTED ABOVE SHOW CLEAR ERRORS THAT SHOULD HAVE BEEN ADDRESSED OVER A YEAR AGO. I WOULD LIKE ALL ITEMS LISTED ABOVE DELETED FROM MY REPORT AND A NEW REPORT SENT TO ME FROM THE BUREAUS. I SHOULD NOT HAVE TO TELL THE BUREAUS OF THE VIOLATIONS. I NEED YOUR HELP ENSURING THAT THESE ITEMS ARE REMOVED.
Frequently Asked Questions
What is Complaint #4415966 about?
Complaint #4415966 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2021-05-29T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.