Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7359926

Complaint Overview

Complaint ID: 7359926

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: Massachusetts

ZIP Code: 01108

Date Received: 2023-08-06T12:00:00-05:00

Date Sent to Company: 2023-08-06T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am writing to formally register a complaint with the Consumer Financial Protection Bureau regarding TransUnion 's failure to address and rectify inaccuracies on my credit report. I initiated contact with TransUnion on XX/XX/XXXX, to address the discrepancies outlined below. Despite the passage of time, I have not received any form of response or resolution from TransUnion. The subsequent details outline the specific erroneous information and the necessary remedial actions : 1. Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} I hereby assert that the XXXX XXXX XXXX account, identified by account number XXXX, which was initiated on XX/XX/XXXX, has never been late. It is evident that the information regarding this account on my credit report is inaccurate and misleading. I am formally requesting that TransUnion promptly corrects and updates this account 's information to reflect its accurate status. 2. XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$810.00} ) : I dispute the reporting of the XXXX account due to discrepancies in the reported balance. The balance of {$810.00} is contested as I distinctly recall it being a lower amount. Furthermore, I request the removal of the Past Due amount, as this account is both closed and charged-off. In light of the potential impact on my credit score, I kindly ask TransUnion to mark this account as disputed until its accuracy is verified. 3. XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) : The reported information for the XXXX account is incorrect and is adversely affecting my credit reputation. The balance of {$1900.00} provided by your agency differs significantly from my recollection. I request the correction of the Past Due information, as it is inappropriate for a closed and charged-off account. As this discrepancy has negatively impacted my credit score, I am compelled to resolve it with the creditor. I kindly ask TransUnion to mark this account as disputed to prevent further damage to my credit standing. 4. XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} ) : I assert that the XXXX account, associated with account number XXXX and established on XX/XX/XXXX, is not mine. I request the immediate removal of this inaccurate account entry from my credit report. 5. XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} ) : Similarly, I dispute the XXXX account linked to account number XXXX, which was initiated on XX/XX/XXXX. This account is not mine, and I formally request its removal from my credit report. 6. XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$2000.00} ) : The reported balance of {$2000.00} for the XXXX XXXX account is inaccurate. I contest this amount, and I dispute the inclusion of the Past Due information. This account has been closed and charged-off, rendering the Past Due information inappropriate. To ensure the accuracy of my credit score, I request TransUnion to mark this account as disputed until a resolution is achieved with the creditor. 7. XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$260.00} ) : The reported balance of {$260.00} for the XXXX XXXX account is inaccurate, and I dispute the inclusion of the Past Due amount. Given that this account is closed and charged-off, the Past Due information should not be presented. I request TransUnion to mark this account as disputed while I engage in resolution discussions with the creditor. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account.

Frequently Asked Questions

What is Complaint #7359926 about?

Complaint #7359926 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 2023-08-06T12:00:00-05:00.

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.

Related Pages