Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Certainly! Here 's a more detailed version of a dispute letter for an incorrect collection account on your credit report : Subject : Dispute of Incorrect Information on Credit Report I hope this letter finds you well. I am writing to dispute the collection account that XXXX ] has reported on my credit report. After carefully reviewing my credit report from [ credit bureau name ], I have discovered that there is a collection account, with the account number [ XXXX ], listed under my name. 

I firmly believe that this collection account contains inaccurate information and does not pertain to my financial history. I would like to emphasize that I have never had any business dealings or financial transactions with the original creditor associated with this account, namely [ XXXX XXXX ]. Therefore, I am certain that this collection account is not mine. Its inclusion on my credit report is not only erroneous but also has a significantly negative impact on my creditworthiness, potentially affecting my financial opportunities. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate information on my credit report.XXXX  XXXX. [ Provide a detailed description of the supporting document, such as a letter from the original creditor stating that you have no outstanding balance with them or any account history. ] XXXX. [ Include any other relevant supporting documentation, such as bank statements or payment records, to clearly demonstrate your lack of connection to the debt. ] I kindly request that you initiate a prompt and thorough investigation into this matter. As per the FCRA, you are required to conduct a reasonable investigation within 30 days of receiving a dispute. This investigation should include contacting the original creditor, verifying the accuracy of the account information, and providing me with a written statement of the findings. 

Furthermore, I urge you to take immediate action to remove the disputed collection account from my credit report. In accordance with the FCRA, you are obligated to rectify any inaccuracies and ensure that the credit reporting agencies update their records accordingly. I request that you provide written confirmation of the completion of the investigation and any actions taken regarding the removal of the collection account from my credit report. 

It is essential to me that this matter is resolved promptly and in compliance with the law. I am well aware of my rights as a consumer under the FCRA and other applicable consumer protection laws. If necessary, I am prepared to take legal action to protect my rights and address this matter. 

I would greatly appreciate your immediate attention to this dispute and its resolution within the 30-day timeframe as mandated by the FCRA. Please feel free to contact me at the provided phone number or email address if you require any further information or clarification. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX