Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Subject : URGENT - Aggressive Dispute - Misrepresentation of Debt and Request for Removal Dear TransUnion, I am writing to express my utmost outrage and frustration regarding the misrepresentation of debt on my credit report, specifically in relation to an account allegedly owned by XXXX XXXX XXXX. The documentation I received, which is supposedly validation of debt, clearly shows a contract that was opened on XX/XX/2017, with a balance of {$11000.00}. However, I would like to bring to your attention the fact that this account has already been paid off and is inaccurately reflected on my credit report. 
Upon reviewing the documentation provided by XXXX XXXX XXXX, it becomes alarmingly apparent that the contract in question is actually owned by XXXX XXXX XXXX. This is a blatant misrepresentation of the facts, and I demand an immediate explanation for this gross error and manipulation of information. 
It is not only unethical but also a violation of my rights as a consumer to have inaccurate and misleading information displayed on my credit report. I have worked diligently to maintain a positive credit history, and your failure to ensure accurate reporting undermines my efforts and compromises my financial standing. 
I hereby demand that you take immediate action to rectify this matter. The account in question, which is falsely attributed to XXXX XXXX XXXX, must be promptly removed from my credit report. I will not tolerate any further delays, excuses, or attempts to shift responsibility for this egregious error. 
I remind you of your legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and integrity of the information contained in credit reports. This includes promptly investigating disputes and correcting any errors or misrepresentations. Your failure to do so not only constitutes a violation of FCRA but also demonstrates a complete disregard for consumer rights and fair reporting practices. 
Attached to this correspondence, you will find the documentation provided by XXXX XXXX XXXX, clearly illustrating the misrepresentation and erroneous reporting. I expect you to thoroughly review this evidence and take immediate action to rectify this situation. 
Furthermore, I demand that you provide me with written confirmation of the removal of this inaccurate account from my credit report within [ state a specific timeframe, e.g., 10 business days ] of the receipt of this letter. Failure to comply with this request will leave me no choice but to pursue all available legal remedies to ensure my rights are upheld and to seek appropriate damages for the harm caused by your negligence. 
I trust that you understand the gravity of this matter and the potential consequences of your continued inaction. I demand a swift resolution to this dispute, and I will not hesitate to escalate this matter to the highest authorities if necessary. 
This is your final opportunity to rectify this situation and demonstrate your commitment to fair and accurate reporting. I expect nothing less than immediate action and a comprehensive response addressing each of the concerns raised in this letter. 
Sincerely, 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