Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to dispute the accuracy of the information on my credit reports provided by TransUnion, XXXX, and XXXX. After reviewing the reports, I have identified inconsistencies that I believe warrant your attention and resolution. I kindly request that you investigate and rectify the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : Auto Loan ( reported as Unsecured loan by XXXX ) Bureau Code : Individual Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX ( reported as XX/XX/XXXX by TransUnion ) Balance : {$0.00} No. of Months ( terms ) : XXXX ( reported as XXXX by XXXX ) High Credit : {$30000.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current ( reported as Late 30 Days by XXXX ) Last Reported : XX/XX/XXXX ( reported as XX/XX/XXXX by XXXX ) Inaccuracies and Potential FCRA Violations : FCRA Section 623 ( a ) ( 1 ) ( A ) - Reporting Accurate Account Information : The " Date Opened '' is reported differently by TransUnion and XXXX, with a discrepancy of approximately one month. This inconsistency may be a violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to provide accurate and complete information about consumer accounts. 

FCRA Section 605 ( a ) ( 4 ) - Reporting Accurate Account Status : XXXX reports the account as " Late 30 Days, '' while TransUnion and XXXX indicate " Current '' and " Paid, '' respectively. This inconsistency may violate FCRA Section 605 ( a ) ( 4 ), which requires accurate reporting of the account 's payment status. 

FCRA Section 605 ( a ) ( 6 ) - Reporting Accurate Credit Limit : XXXX erroneously reports the " Account Type - Detail '' as " Unsecured loan, '' which affects the " Credit Limit '' field, showing " {$0.00}. '' This is inaccurate as the account is an " Auto Loan '' and does not have a credit limit. This may be a violation of FCRA Section 605 ( a ) ( 6 ), which mandates accurate reporting of credit limit information. 

I request that you conduct a thorough investigation into these discrepancies and promptly take corrective action to remove the inaccuracies from my credit reports. As per the FCRA, please provide me with written confirmation of the corrections made. 

I am attaching copies of relevant supporting documents that validate my claims. I trust that TransUnion, XXXX, and XXXX will fulfill their obligations under the FCRA to ensure accurate and fair reporting of consumer credit information. 

Thank you for your attention to this matter. I anticipate a swift resolution and the removal of the inaccuracies from my credit reports. 

Sincerely,

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