Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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: Investigation took more than 30 days

Complaint:
Hello, I am writing to dispute the accuracy of information that has been reported to the credit reporting agencies regarding my account XXXX XXXX ( XXXX **** ). I believe that your actions have violated the Fair Credit Reporting Act ( FCRA ), specifically sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), as well as the Fair and Accurate Credit Transactions Act ( FACTA ), specifically sections 312 ( b ) and 312 ( c ). 

According to my credit reports from XXXX, Trans Union, and XXXX, there are discrepancies in the auto loan information that has been reported by these agencies. The planting and sowing dates and terms that have been reported by each agency differ from each other. This inconsistency in reporting may be a violation of section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires credit reporting agencies to maintain reasonable procedures to ensure that the credit information they report is accurate and up-to-date.

Furthermore, I have requested all information in my credit file from each credit reporting agency, as required by section 623 ( a ) ( 2 ) of the FCRA. If the information reported by XXXX does not match that reported by Trans Union and XXXX, then XXXX may have violated this section by failing to disclose all information in my credit file.

FACTA also requires furnishers of information to credit reporting agencies to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information they furnish, as stated in section 312 ( b ). If the creditor failed to provide consistent and accurate information to all three credit bureaus, then it may be a violation of this section. Additionally, section 312 ( c ) requires furnishers of information to credit reporting agencies to promptly notify the agencies of any corrections to inaccurate or incomplete information. If XXXX did not report the auto loan information or the correct planting and sowing dates and terms, and did not notify the other credit bureaus of the corrections, then it may be a violation of this section. 

Specifically, I am concerned about the information regarding my account with XXXX XXXX, with account number ( XXXX ) .Upon reviewing my credit report from all three credit bureaus, I noticed discrepancies in the reporting of the planting date and terms of my auto loan. XXXX claims that XXXX 's planting date opened on XX/XX/XXXX, however, the Trans Union date is really XX/XX/XXXX. Furthermore, the number of months ( terms ) reported by Trans Union and XXXX is 62, while XXXX did not disclose this information. Trans Union reported on XX/XX/XXXX, with the Date Last Active for XXXX or XXXX being XX/XX/XXXX. Again, there is a discrepancy in the reporting, as Trans Union, XXXX, or XXXX will sow on XX/XX/XXXX, or on XX/XX/XXXX, respectively. 

These discrepancies are in violation of several sections of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Section 623 ( a ) ( 1 ) ( A ) of the FCRA requires that credit reporting agencies maintain reasonable procedures to ensure that the credit information they report is accurate and up-to-date. The discrepancy in the planting date between XXXX and Trans Union XXXX be a violation of this section. Section 623 ( a ) ( 1 ) ( B ) requires that credit reporting agencies clearly and accurately disclose to consumers all information in their credit files. If XXXX did not disclose the correct planting date for the account, it may be a violation of this section. Section 623 ( a ) ( 2 ) requires that credit reporting agencies disclose all information in a consumer 's credit file upon request. If XXXX did not disclose the correct planting date upon request, it may be a violation of this section. Additionally, Section 623 ( a ) ( 5 ) requires that credit reporting agencies provide a consumer with a list of all inquiries made into their credit file. If any inquiries were made based on the inaccurate information provided by XXXX, it XXXX be a violation of this section. 

Furthermore, Section 312 ( b ) of FACTA requires that furnishers of information to credit reporting agencies establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information they furnish. If XXXX XXXX failed to provide consistent and accurate information to all three credit bureaus, then it may be a violation of this section. Additionally, Section 312 ( c ) requires that furnishers of information to credit reporting agencies promptly notify the agencies of any corrections to inaccurate or incomplete information. If XXXX XXXX did not notify the other credit bureaus of the corrected planting date, it may be a violation of this section. 

I am writing to dispute the inaccurate and unverified collection accounts that have been reported on my credit report by ACCT XXXX XXXX. The accounts in question are for the original creditor XXXX XXXX XXXX XXXX and the account numbers are XXXX. 

According to my credit report, there is a discrepancy in the planting date between XXXX and Trans Union. XXXX states that the Date Opened for the account is XX/XX/XXXX, while Trans Union states it is XX/XX/XXXX. Additionally, XXXX 's date for the last reported on date is XX/XX/XXXX, while XXXX 's is XX/XX/XXXX. XXXX 's date for the planting date is XX/XX/XXXX, while XXXX 's date is XX/XX/XXXX. 

These discrepancies are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, Section 623 ( a ) ( 1 ) ( A ) requires that credit reporting agencies maintain reasonable procedures to ensure that the credit information they report is accurate and up-to-date. Additionally, Section 623 ( a ) ( 1 ) ( B ) requires that credit reporting agencies clearly and accurately disclose to consumers all information in their credit files. If XXXX or XXXX did not disclose the correct planting date for the account, it may be a violation of this section. Furthermore, Section 623 ( a ) ( 2 ) requires that credit reporting agencies disclose all information in a consumer 's credit file upon request. If XXXX or XXXX did not disclose the correct planting date upon request, it may be a violation of this section. Lastly, Section 623 ( a ) ( 5 ) requires that credit reporting agencies provide a consumer with a list of all inquiries made into their credit file. If any inquiries were made based on the inaccurate information provided by XXXX or XXXX, it may be a violation of this section. Additionally, the inaccuracies in the credit report may be a violation of the Fair a
nd Accurate Credit Transactions Act ( FACTA ). Specifically, Section 312 ( b ) requires that furnishers of information to credit rep orting agencies establish and implement reasonable written polici
es and procedures regarding the accuracy and integrity of the information they furnish. If ACCT XXXX XXXX failed to provide consistent and accurate information to all three credit bureaus, then it may be a violation of this section. Moreover, Section 312 ( c ) requires that furnishers of information to credit reporting agencies promptly notify the agencies of any corrections to inaccurate or incomplete information. If ACCT XXXX XXXX did not notify the other credit bureaus of the corrected planting date, it may be a violation of this section.

Therefore, I am requesting that A
CCT XXXX XXXX remove these unverified collection accounts from my credit report, as they are in violation of the FCRA and FACTA. I also request that they provide written confirmation of the removal to all three credit bureaus. 

I am writing to file a dispute regarding the inaccurate information on my credit report. Specifically, there are unverified collection accounts listed by ACCT XXXX XXXX, with account numbers XXXX, that have incorrect seeding dates reported by the credit bureaus. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and up-to-date credit information, and to clearly and accurately disclose all information in a consumer 's credit file. However, there is a discrepancy in the seeding dates between XXXX and Trans Union, with XXXX reporting a seeding date of XX/XX/XXXX, while Trans Union reports a date of XX/XX/XXXX. This discrepancy XXXX be a violation of Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( a ) ( 1 ) ( B ) of the FCRA.

Furthermore, Section 623 ( a ) ( 2 ) of the FCRA requires credit reporting agencies to disclose all information in a consumer 's credit file upon request. If the credit bureaus did not disclose the correct seeding date upon my request, it may be a violation of this section. Additionally, if any inquiries were made based on the inaccurate information prov
ided by the credit bureaus, it may be a violation of Section 623 ( a ) ( 5 ) of the FCRA.

Under the Fair and Accurate Credit Transactions Act ( FACTA ), furnishers of information to credit reporting agencies are required to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information they furnish. If ACCT XXXX XXXX failed to provide consistent and accurate information to all three credit bureaus, it may be a violation of Section 312 ( b ) of FACTA. Additionally, Section 312 ( c ) of FACTA requires furnishers of information to credit reporting agencies to promptly notify the agencies of any corrections to inaccurate or incomplete information. If ACCT XXXX XXXX did not notify the other credit bureaus of the corrected seeding date, it may be a violation of this section.

Therefore, I am requesting that the unverified collection accounts listed by ACCT XXXX XXXX with account numbers XXXX be removed from my credit report, as they have not been verified as accurate. Additionally, I urge you to enforce the laws outlined above and hold the credit bureaus and ACCT XXXX XXXX accountable for any violations. 

Specifically, there are unverified collection accounts on my credit report that are negatively impacting my creditworthiness. The accounts in question are associated with XXXX XXXX XXXX XXXX and are listed under account number XXXX. According to XXXX, the date of opening for this account is XX/XX/XXXX, and the account type is listed as Collection. However, the credit limit was not reported. 

I believe that XXXX XXXX XXXX XXXX has violated several sections of the Fair Credit Reporting Act ( FCRA ), including : Section 623 ( a ) ( 1 ) ( A ), which requires that credit reporting agencies maintain reasonable procedures to ensure that the credit information they report is accurate and up-to-date. If XXXX XXXX XXXX XXXX reported an incorrect opening date for the account, it may be a violation of this section.

Section 623 ( a ) ( 1 ) ( B ), which requires that credit reporting agencies clearly and accurately disclose to consumers all information in their credit files. If XXXX XXXX XXXX XXXX did not accurately report the account type and credit limit information, it may be a violation of this section.

Section 623 ( a ) ( 2 ), which requires that credit reporting agencies disclose all information in a consumer 's credit file upon request. If XXXX XXXX XXXX XXXX did not disclose accurate information upon request, it may be a violation of this section.

Section 623 ( a ) ( 5 ), which requires that credit reporting agencies provide a consumer with a list of all inquiries made into their credit file. If any inquiries were made based on inaccurate information provided by XXXX XXXX XXXX XXXX, it may be a violation of this section.

Section 1681s-2 ( a ) of the FCRA, which outlines the responsibilities of furnishers of information to credit reporting agencies. Furnishers must provide accurate and complete information to credit reporting agencies, and if a furnisher learns that any information it has provided to a credit reporting agency is not accurate, it must promptly notify the agency of the error and provide corrected information. If XXXX XXXX XXXX XXXX failed to comply with any of these requirements, it may be a violation of this section.

This inaccurate information on my credit report has had a significant negative impact on my life. I have been denied credit, employment, and rental opportunities due to my low credit score, which is in large part due to these unverified collection accounts. As a result, I have been unable to purchase a home, secure stable employment, or provide for my family in the way that I would like. 

Therefore, I am requesting that these unverified collection accounts be removed from my credit report in accordance with the FCRA. I also request that any inquiries made based on this inaccurate information be removed from my credit report. I appreciate your attention to this matter and look forward to your prompt resolution. 

Sincerely, XXXX XXXX

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