Product: Credit reporting or other personal consumer reports

Consumer Rebuttal to TransUnion Complaint ID : XXXX Furnisher : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Date : XX/XX/XXXXXXXX  Disputed Account Information Still Inaccurate I am writing to formally dispute the continued inaccuracies on my credit file related to the XXXX XXXX XXXX collection account. Although TransUnion closed my previous dispute, the account is still reporting inconsistent and misleading data especially after the recent update. This response is being submitted as a rebuttal with supporting screenshots ( before and after ), highlighting the following discrepancies : 1. Date Last Active Changed Without Justification Previously Reported : XX/XX/XXXXXXXX  Now Reported : XX/XX/XXXXXXXX  There was no consumer activity, payment, or contact on XX/XX/XXXXXXXX  to warrant this date being used. 
While this is not a future date, its use is misleading and appears to manipulate the age of the debt, impacting credit score models and suggesting renewed activity when none occurred. 

FCRA Violations : 607 ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

623 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge or reasonable cause to believe it is inaccurate. 


2. Date Opened Inconsistent Across Bureaus TransUnion lists XX/XX/XXXX, XXXX reports XX/XX/XXXX. 
A single account should not have different Date Opened values across bureaus unless supported by official documentation. 

FCRA Violation : 623 ( a ) ( 2 ) Duty to correct and update information.

3. Balance Reported Without Validation The balance of {$690.00} continues to be reported without any evidence of validation from the original creditor ( XXXX XXXX ). 
Under the FCRA, if the debt is disputed and the furnisher can not verify it with sufficient documentation, it must be corrected or removed. 

FCRA Violation : 611 ( a ) ( 1 ) ( A ) Failure to verify disputed information within a reasonable time.

Request for Deletion Due to the continued reporting of inaccurate, inconsistent, and unverifiable information, I am requesting the immediate removal of this account from my TransUnion credit report. TransUnion is responsible under the Fair Credit Reporting Act to ensure maximum accuracy in reporting. Continued verification of unverifiable and inaccurate data constitutes willful noncompliance. 



Citing Regulatory Enforcement I also want to highlight that the Consumer Financial Protection Bureau ( CFPB ) recently ordered XXXX to pay a {$15.00} XXXX civil penalty for similar violations failing to properly investigate disputes and reporting inaccurate information ( Case Reference : CFPB Enforcement 2024 ). This underscores the seriousness of compliance with the FCRA. 



Summary The reported data remains inaccurate, misleading, and harmful to my credit profile. 
No supporting documents have been provided to justify the changes made after the last dispute. 
I am requesting immediate deletion of this account, or at a minimum, accurate correction supported by verifiable documentation. 

Thank you for your time and cooperation. 

Respectfully, XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TN XXXX