Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnionXXXX  Dispute Department [ Bureau Address for TransUnionXXXX ] Subject : Formal Dispute of Inaccurate Information on My Credit Report ( Account # XXXX ) Dear [ TransUnionXXXX  ] Dispute Department , I am writing to formally dispute inaccurate information in the reporting of my XXXX XXXX account ( Account # XXXX XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically FCRA Section 611 [ 15 U.S.C. 1681i ], I have the right to ensure that all information on my credit report is accurate, complete, and verifiable. Please find below a detailed breakdown of discrepancies found in XXXX reporting of this account and the corrections I am requesting. 

Account Information Discrepancies and Requested Corrections : 1. Balance Inaccuracy The XXXXXXXX XXXX  account is reported as a charge-off with an outstanding balance of {$3200.00}. Under FCRA Section 623 [ 15 U.S.C. 1681s-2 ], furnishers of information are responsible for reporting accurate information. When an account is charged off, the balance should typically reflect XXXX, as it has been written off by the creditor. Please verify if the {$3200.00} balance is accurate, and if incorrect, adjust the balance to XXXX  as per FCRA requirements for accurate reporting. 
2. Credit Limit Discrepancy TransUnion lists a credit limit of {$2400.00}, while XXXX reports a credit limit of {$0.00}. This inconsistency impacts my credit utilization ratio, affecting my credit score. Under FCRA Section 609 [ 15 U.S.C. 1681g ], I am entitled to accurate information in my credit report, and this inconsistency violates that right. Please confirm and correct the credit limit to reflect the actual amount of {$2400.00} across all reporting agencies. 
XXXX. Date of Last Payment Discrepancy There is a discrepancy in the reported last payment date. TransUnion lists the last payment as XX/XX/XXXX, while XXXX lists it as XX/XX/XXXX. Inconsistent reporting of payment history affects the accuracy of my credit report. As per FCRA Section 611 [ 15 U.S.C. 1681i ], credit bureaus are required to reinvestigate and correct any inaccuracies. I request that you confirm the correct last payment date and update it accordingly.

4. Comments Section - Dispute Status XXXX has included a comment indicating Consumer disputes - reinvestigation in progress. If a reinvestigation was initiated, it must be completed within the legally required 30-day window under FCRA Section 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ]. If this reinvestigation has concluded, please remove this comment. Additionally, if any information has been verified as inaccurate during the reinvestigation, I request its immediate correction.

5. Charge-Off and Collection Status If this account has been sold or transferred to a collection agency, XXXXXXXX XXXX should not report an outstanding balance under their listing. According to FCRA Section 623 ( a ) ( 5 ) [ 15 U.S.C. 1681s-2 ( a ) ( 5 ) ], creditors must update the reporting to accurately reflect the current status of the account. Please confirm whether XXXX XXXX  should be reporting this balance or if it should only be reflected under a collection account. If XXXXXXXX XXXX no longer holds the debt, kindly adjust the balance to zero. 

Requested Action and Supporting Documentation I respectfully request a complete reinvestigation of this account and correction of the discrepancies listed above. As per FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) [ 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ], please provide a written confirmation of the reinvestigation results and an updated copy of my credit report reflecting any necessary corrections. If no changes are made, I request a detailed explanation with supporting evidence for each item that remains Thank you for your attention to this matter. I expect to receive confirmation of these changes or a clear justification if any corrections are not warranted. Please feel free to contact me by phone or email should you need additional information to expedite this process.