Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed XXXX can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing. 

XXXX XXXX XXXX 
TransUnion TransUnion Account # : XXXX Account Description : Individual Account Rating : Collection Or ChargeOff Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Closed Date : -- Credit Limit:XXXX  Creditor Remarks : PAID PROFIT AND LOSS Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : N High Balance : {$1000.00} Last Payment : -- Last XXXX Past Due Amount : -- Payment Amount : {$0.00} Payment Frequency : -- Payment Status : Collection Or ChargeOff Term Length : -- Loan Type : Secured The inaccurate and outdated information you have provided is unacceptable and needs to be fixed immediately. If it is not fixed, legal action XXXX be necessary. Your database and credit report should only contain accurate information XXXX XXXX XXXX TransUnion TransUnion Account # : XXXX Account Description : Individual Account Rating : Collection Or ChargeOff Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Closed Date : -- Credit Limit:XXXX Creditor Remarks : DISPUTE RESOLVED REPORTED BY GRANT OR Creditor Type : Finance Date Opened : XXXX Date XXXX Date of LastActivity:XXXX Dispute Status : N High Balance : {$500.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$0.00} Payment Frequency : -- Payment Status : Collection Or ChargeOff Term Length : -- Loan Type : Unsecured The data above has not been certified to meet any specific reporting standards, and is therefore unreliable. I insist that any inaccurate, incomplete, or unsupported material be removed immediately. 

RISE/FINWISE/EDS TransUnion TransUnion Account XXXX XXXX Account Description : Individual Account Rating : Collection Or ChargeOff Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Closed Date : -- Credit LimitXXXX Creditor Remarks : PAID PROFIT AND LOSS Creditor Type : Finance Date XXXX Date XXXX Date of Last XXXX Dispute Status : XXXX High Balance : {$3000.00} Last Payment : -- Last XXXX Past Due Amount : -- Payment Amount : {$0.00} Payment Frequency : -- Payment Status : Collection Or ChargeOff Term Length : -- Loan Type : Unsecured The information provided above has not been certified to meet reporting standards and should be considered suspect. Any wrong, incomplete, or unsupported material should be deleted immediately. 

XXXX XXXX XXXX. 
TransUnion TransUnion Account # : XXXX Account Description : Individual Account Rating : Collection Or ChargeOff Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Closed Date : -- Credit XXXX Creditor Remarks : PAID PROFIT AND LOSS Creditor Type : Finance Date XXXX Date XXXX Date of XXXX Dispute Status : N High Balance : {$10000.00} Last Payment : -- Last XXXX Past Due Amount : -- Payment Amount : {$0.00} Payment Frequency : -- Payment Status : Collection Or ChargeOff Term Length : -- Loan Type : Unsecured The information you have provided is not accurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately or else legal action may ensue. Inaccurate, imperfect information has no place in your database or on my credit report, so please delete it now. 

XXXX XXXXXXXX XXXX XXXX  TransUnion TransUnion Account # XXXX Account Description : Individual Account Rating : Collection Or ChargeOff Account Status : Closed Account Type : Revolving Balance Owed : {$0.00} Closed Date : -- Credit LimitXXXX Creditor Remarks : ACCOUNT CLOSED BY CREDIT GRANT OR Creditor Type : Banking Date XXXX Date XXXX Date of XXXX Dispute Status : N High Balance : {$1300.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$0.00} Payment Frequency : -- Payment Status : Collection Or ChargeOff Term Length : -- Loan Type : Credit Card The information you provided is inaccurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately or else legal action will ensue! Inaccurate, imperfect information has no place in your database or on my credit report so please delete it now. 

Regards You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truth fully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception .I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX I will attached the letter below and will also file disputes with the following listen agencies below for furnishing inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX