Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7359994

Complaint Overview

Complaint ID: 7359994

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: Florida

ZIP Code: 34691

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 lodge a formal complaint against TransUnion concerning inaccuracies present on my credit report. On XX/XX/XXXX, I initiated contact with TransUnion to dispute certain information that I believe is erroneous. Regrettably, I have not received any communication or resolution from TransUnion up to today 's date. Below are the specifics of the disputed accounts along with the requested corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$94.00} I hereby request TransUnion to diligently verify the accuracy of the XXXX XXXX account details. The reported balance of {$94.00} appears to be inaccurate, as I do not recall owing such a substantial amount. Moreover, given that this account is labeled as closed and charged-off, the inclusion of a Past Due amount is inappropriate. I kindly urge TransUnion to categorize this account as disputed while I am in the process of addressing the dispute with the creditor. Additionally, I request TransUnion to verify the Date Opened, Date of Status, and First Reported for this account. Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} The XXXX account necessitates verification due to the reported balance of {$1700.00}, which seems to be higher than what I recollect. Given that the account is identified as closed and charged-off, the inclusion of a Past Due amount is unwarranted. I believe it would be prudent to address this erroneous data directly with the creditor. I am resolute in promptly pursuing this course of action, but I require TransUnion to label the account as disputed while I work towards resolution. Furthermore, I require TransUnion to validate the Date Opened, Date of Status, and First Reported for this account. Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX Balance : {$860.00} The information conveyed by your agency for the XXXXXXXX XXXX XXXX account ( Date Opened XXXX XXXX, Balance : {$860.00} ) is grossly inaccurate. My accurate recollection indicates the original creditor to bXXXX XXXX XXXX XXXX XXXX XXXX, which is evidently distinct from the entity you cite. Notably, I have had no contractual association with this company and have never received any communication from them. Additionally, your agency presents erroneous data about the balance, which I believe is higher than it should be. In light of these inaccuracies, I am disputing this entire account and I respectfully request verification of the Date Opened and Date of First Delinquency. Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX Balance : {$780.00} Similarly, the information presented for the XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$780.00} ) is also incorrect. My memory indicates that the original creditor for this account is a separate entity, XXXX XXXX XXXX XXXX, as opposed to the entity you indicate. Moreover, you convey erroneous information about the balance, which I believe is inflated. This discrepancy undermines the truthfulness of the information. Consequently, I dispute this account and request validation of the Date Opened and Date of First Delinquency.

Frequently Asked Questions

What is Complaint #7359994 about?

Complaint #7359994 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.

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