Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Subject : Urgent Dispute - Violations of FCRA Sections 611, 623, and 623 ( A ), and Unauthorized Removal of XXXX XXXX XXXX Account To whom it may concern at TransUnion, I am writing this urgent letter to address XXXX significant disputes on my credit report that require immediate attention and resolution. These disputes pertain to the erroneous reporting by XXXX XXXX XXXX and the unauthorized removal of a positive account from XXXX XXXX XXXX. Both actions have negatively impacted my credit profile and are in direct violation of the Fair Credit Reporting Act ( FCRA ) Sections 611, 623, and 623 ( A ). 

XXXX XXXX XXXX XXXX : Under FCRA Section 611, I demand that XXXX XXXX XXXX 's fraudulent reporting be thoroughly investigated and corrected promptly. The violations include : a ) Incorrect Balance Reporting : XXXX XXXX XXXX is reporting an inflated balance on an account that has been previously charged off, misleading potential lenders and damaging my credit profile. 
b ) XXXX XXXX XXXX : Despite showing an open account, XXXX XXXX XXXX is reporting it as charged off, leading to inconsistencies in my credit report. 
c ) Inaccurate Late Payment Reporting : XXXX XXXX XXXX is inaccurately reporting late payments on an account that has already been charged off, causing significant harm to my creditworthiness. 

TransUnion 's failure to address these disputes violates FCRA Section 623, which mandates a reasonable investigation and timely response to consumer disputes. Your inaction also violates FCRA Section 623 ( A ), which requires the accurate and prompt correction of any inaccurate or incomplete information on my credit report. 

XXXX XXXX XXXX Dispute : Furthermore, I demand the immediate reinstatement of the XXXX XXXX XXXX account on my credit report. This account, which had a positive closed status, was unlawfully removed without my consent or authorization. This action violates FCRA Section 611 and has unjustifiably harmed my credit history. 

I insist that TransUnion promptly investigates and resolves both of these disputes as required by law. Failure to do so will leave me no choice but to pursue all available legal avenues to seek appropriate damages and remedies for the harm caused by TransUnion 's violations and unauthorized removal of the positive account. 

I demand immediate action to rectify these issues and request written confirmation of the corrections made to my credit report, in compliance with FCRA Section 611. 

Please acknowledge receipt of this dispute and provide a written response detailing the steps taken to address both disputes. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Maryland State Attorney Office

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief