Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
After reviewing my credit report received XX/XX/2022, I noticed the inaccurate or incomplete information is still reporting. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report due to being Incomplete or Inaccurate. It is my understanding that you will recheck these items with the creditor who has posted them. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please reinvestigate the following ; Dispute # XXXX Re : Account Name : XXXX Account Number : XXXX Inaccurate Date of Last Active = XX/XX/2022 The only activity which triggers the last activity date is payment on an account. Disputing a debt is not considered activity on the account. Falsifying account information like this may be a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 

Please note that I have not made a payment on the account stated above ; therefore, the Date of Last Active is Inaccurate. 

Dispute # XXXX Re : Account Name : XXXX Account Number : XXXX Past Due Amount = {$14000.00} Past due amount is inaccurate due to me providing TransUnion documented proof that I never received a copy of the original creditors payment ledger or a certified letter stating the information for the vehicle such as who purchased, the sale date and the amount it was sold for. The original creditor also did not provide me the letter stating the balance that was owed which would have been ( balance minus amount sold for ). 
Dispute # XXXX Re : Account Name : XXXX Account Number : XXXX Balance Amount = {$14000.00} Balance amount is inaccurate due to me providing TransUnion documented proof that I never received a copy of the original creditors payment ledger or a certified letter stating the information for the vehicle such as who purchased, the sale date and the amount it was sold for. The original creditor also did not provide me the letter stating the balance that was owed which would have been ( balance minus amount sold for ). 

Note : Based on 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Upon completion of this reinvestigation, I am requesting the following ; a. Complete copy of updated credit report b. Notice of Results of Reinvestigation : TransUnion shall provide written notice to me, the consumer of the results of the reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail c. As the consumer I DO NOT AUTHORIZE Transunion you to provide the reinvestigation to me in any other manner except via MAIL. 
d. Notice of Results of Reinvestigation : Contents, as part of, or in addition to, the notice under above item ( b ), TransUnion shall provide to me the consumer in writing before the expiration of the 5-day period referred to in above item ( b ) a. a statement that the reinvestigation is completed; b. a consumer report via mail that is based upon the consumers file as that file is revised as a result of the reinvestigation ; c. I am requesting a notice of the description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 
d. I as the consumer am requesting following any deletion of information which is found to be inaccurate or incomplete and whose accuracy or incomplete can no longer be verified or any notation as to disputed information, the consumer reporting agency shall furnish notification to all companies who received a consumer report with the last six months prior, which contained the deleted or disputed information that the item has been deleted.

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