Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
To : whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$7700.00} Date open : TransUnion is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. 
XXXX XXXX : TransUnion is currently showing {$12.00}, XXXX, XXXX and XXXX show zero. 
Lasted Reported : TransUnion show XX/XX/XXXX, XXXX show XX/XX/XXXX, and XXXX show XX/XX/XXXX. All three Credit Reporting Agency are showing difference dates. Please delete Date of Last Active : TransUnion show XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX show XX/XX/XXXX. 
Past dues balance, Date open, XXXX XXXX Lasted Reported, and Date of Last Active all show inaccurate on this account accordance to Metro 2 Guidelines it MUST be delete. 

Account Name : XXXXXXXX XXXX Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( Account in Collection/Charge off please delete ) Date open : TransUnion is reporting XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, and XXXX show XX/XX/XXXXXXXX XXXX XXXX  : TransUnion is reporting {$1100.00} and XXXX show zero, and XXXX show {$1100.00} Lasted Reported : TransUnion is reporting XX/XX/XXXX. XXXX show XX/XX/XXXX and XXXX show XX/XX/XXXX Date of Last Active : TransUnion show XX/XX/XXXX, XXXX show XX/XX/XXXX and XXXX show XX/XX/XXXX Past dues balance, Date open, XXXX XXXX Lasted Reported, and Date of Last Active all show inaccurate on this account accordance to Metro 2 Guidelines it MUST be delete. 

Account Name : XXXX Account : XXXX PAST DUE BALANCE : {$1400.00} Date open : XX/XX/XXXXXXXX XXXX XXXX : {$1200.00} Lasted Reported : XX/XX/XXXX Date of Last Active : XX/XX/XXXX XXXX is reporting past dues amount of {$1400.00} on collection/charge off account. Inaccurate on this account accordance to Metro 2 Guidelines it MUST be delete. 

Account Name : XXXX XXXX XXXX XXXX Account : XXXX PAST DUE BALANCE : PAID Date open : XX/XX/XXXXXXXX XXXX XXXX : {$53000.00} Lasted Reported : XX/XX/XXXX Date of Last Active : XX/XX/XXXXXXXX XXXXreporting this account is paid in Full, in the comment section it states unpaid balance reported as a loss by credit grantor.

This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

Account XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account : XXXX Date opened : TransUnion is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 
Lasted Reported : TransUnion is reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX. This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 
Date of Last Active : TransUnion reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX. Inaccurate is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANNCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail. 


Sincerely, XXXX 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