Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6784472

Complaint Overview

Complaint ID: 6784472

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: Connecticut

ZIP Code: 06051

Date Received: 2023-04-01T12:00:00-05:00

Date Sent to Company: 2023-04-01T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am writing to dispute the accuracy of the information reported by TransUnion on my credit report. Specifically, I am concerned about the incorrect information regarding several of my accounts, which I would like to have investigated and corrected. I previously contacted TransUnion on XX/XX/XXXX regarding the following incorrect information, but have not received a response to date. Firstly, the XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$11000.00} ) is being reported with an incorrect balance amount of {$11000.00}. I believe that the amount owed is lower than what is being reported. Additionally, the Past Due amount should not be reported as this account has been closed and charged-off. I request that this account be marked as disputed to ensure that it does not negatively impact my credit score. The information on the XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$920.00} ) is also inaccurate. The balance amount of {$920.00} is higher than what I remember owing. Additionally, the Past Due amount should not be reported for a closed and charged-off account. This inaccurate information has caused my credit score to drop and I request that this account be marked as disputed as well. I also require that the XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ) be verified for accuracy as I am unsure of the balance amount reported by TransUnion. Additionally, the Past Due amount should not be reported for this closed and charged-off account. I request that this account be marked as disputed until I have resolved the matter with the creditor. The information regarding the account XXXX ( Date Opened : XX/XX/XXXX, Balance : {$610.00} ) is inaccurate. The original creditor on this account is XXXX XXXX XXXX, not the company you have listed. You have reported a Balance of {$610.00}, which is higher than the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency. The information presented for the account XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2000.00} ) is also inaccurate. While I recognize the original creditor as XXXX XXXX XXXX XXXX XXXX A, I have not been contacted by XXXX XXXX. The reported Balance of {$2000.00} is inflated and inaccurate. I dispute this account in its entirety and request verification of the Date Opened and Date of First Delinquency. I also dispute the information presented for the account XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4100.00} ). While I acknowledge the original creditor as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I do not have any contract with XXXX XXXX. The reported Balance of {$4100.00} is inaccurate, as I remember owing a lower amount. I dispute this account and request verification of the Date Opened and Date of First Delinquency. Furthermore, I have found inaccurate information for the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ) account. While I recognize the original creditor as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, I have no contract with the collection agency that you have reported. The reported Balance of {$2400.00} is inaccurate and higher than the High Balance on the same account. I dispute this account and request verification of the Date Opened and Date of First Delinquency. Lastly, XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$800.00} ) is being reported with an inaccurate balance amount of {$800.00}. I believe that the amount owed is lower than what is being reported. Additionally, the Past Due amount should not be reported for a closed and charged-off account. I request that this account be marked as disputed until I have resolved the matter with the creditor.

Frequently Asked Questions

What is Complaint #6784472 about?

Complaint #6784472 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 2023-04-01T12:00:00-05:00.

How did Transunion Intermediate Holdings, INC. respond to this complaint?

The company responded with: "Closed with non-monetary relief". 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.

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