Consumer complaint received 2015-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXXXXXX XXXX, IA XXXXXXXXTransUnion - I am in Dispute of - THE RESULTS OF YOUR INVESTIGATION - FILE NUMBER- XXXX - DATE ISSUED XXXX/XXXX/XXXXXXXX XXXX # XXXX ( Enclosed ) XXXX- I am in Dispute of - THE RESULTS OF YOUR INVESTIGATION -CREDIT FILE DATED : XXXX XXXX-XXXX- Confirmation # - XXXX / of RECEIVED : XX/XX/XXXX ( ENCLOSED ) XXXX - I am in Dispute of - THE RESULTS OF YOUR INVESTIGATON - CREDIT FILE DATED- XX/XX/XXXX - REPORT NUMBER- XXXX RECEIVED : XX/XX/XXXX ( Enclosed ) To Whom It May Concern - REINVESTIGATION RESULTS/ BILLING ERROR DISPUTE / INACCURATE ACCOUNTIn response to CORRESPONDENCE RECEIVED FROM : XXXX : Received on XX/XX/XXXX. Dated XX/XX/XXXX : ( See Attached Copy ) Re : XXXX - XXXX XXXXThis account number does not correlate with the account numbers listed on my credit reports from the aforemented above credit reporting agencies. I am in dispute of this misleading inaccurate deceptive statement. To be more specific, this statement does not give accurate details. For example, the VIN number for this account should be included on your statement. 

Subsequently, inaccurate financial reporting may be the result of carelessness, lack of information, misinterpreting data or dishonest employees. Whatever the cause, the results can range from inconvenience to major problems. As a business owner, your company needs to be cognizant of the potential problems and be sure that your accounting is managed correctly. To take this action a step further, " The FTCA breaks down an " unfair or deceptive act or practice '' into XXXX different legal standards : XXXX for unfair, and another for deceptive. A party is in violation of the act when they are found liable under either or both of these standards. Most important, " An unfair act or practice under the FTCA is XXXX that can not reasonably be avoided by the consumer ; and causes, or is likely to cause, the consumer some sort of injury. The act or practice by the business will also be either no, or very little, benefit to the consumer. An act or practice is considered deceptive when it involves a material representation or omission that is reasonably likely to mislead a consumer. A representation or omission is material when it is an important or main reason for the customer 's decision to purchase the good or service. There is no need to establish intent to deceive in order to find a company liable for a deceptive act or practice under the FTCA ''. 


I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX / XXXX agency myself and have been unable to get them to verify that this is indeed an accurate debt. First and far most, this letter is a formal notice that : Account 1 ) : XXXX XXXX XXXX XXXX XXXX Account : XXXX - is an inaccurate account. This is the first inaccurate Noticeable point, I would like to imprecise. Next, Account 2 ) XXXX XXXX XXXX XXXX - Account : XXXX is an inaccurate account. ACCOUNT 3 ) TRANSUNION- Account : XXXX. 

Therefore, this account is apparently a BILLING ERROR DISPUTE/ OR fraudulent account. Your re-investigation will determine, there is certainly more than XXXX creditor, for the same vehicle/ with the same- Vehicle Identification Numbers ( VINs ) - Vehicle Identification Numbers are unique codes given to each on-road vehicle in the United States . From XX/XX/XXXX, each new car is given a standardized XXXX-digit code, which includes a serial number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation