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 : I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity.

B - Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes The CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports!

With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge. 
The following claims about me were not reported correctly and I am challenging these inaccurate statements. 
Please provide proof that the proper reporting standards were followed so this can be resolved immediately! 

XXXX TransUnion Account # : XXXX Account Description : Individual Account Rating : Late 60Days Account Status : Transferred Account Type : Installment Balance Owed : {$0.00} Closed Date : -- Credit Limit : XXXX Creditor Remarks : TRANSFERRED TO ANOTHER LENDER Creditor Type : Banking Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : N High Balance : {$1000.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$0.00} Payment Frequency : -- Payment Status : Late60Days Term Length : -- Loan Type : -- The information in the upper section was never proven to meet compliance reporting standards. The information has never been verified to be accurate, complete, timely, or validated. You must provide documented proof of compliance reporting standards and applicable consumer laws. The information is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! 

XXXX TransUnion TransUnion Account XXXX XXXX XXXX Account Description : Individual Account Rating : CollectionOrChargeOff Account Status : Transferred Account Type : Installment Balance Owed : {$0.00} Closed Date : -- Credit Limit : XXXX Creditor Remarks : TRANSFERRED TO ANOTHER LENDER Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : N High Balance : {$2600.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$0.00} Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : -- Loan Type : -- The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I demand that this information be deleted immediately! 

XXXX XXXX TransUnion TransUnion Account # : XXXX Account Description : Individual Account Rating : CollectionOrChargeOff Account Status : Closed Account Type : Revolving Balance Owed : {$0.00} Closed Date : -- Credit Limit : XXXX Creditor Remarks : ACCOUNT CLOSED BY CREDIT GRANTOR Creditor Type : Banking Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : N High Balance : {$9100.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$0.00} Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : -- Loan Type : CreditCard Your information is outdated and does not meet the accuracy standards we require. If it is not updated immediately, legal action may be necessary. We value accuracy in our databases and credit reports, so please delete this information immediately. 

XXXX XXXX TransUnion TransUnion Account # : XXXX Account Description : Individual Account Rating : CollectionOrChargeOff 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 : {$4900.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$0.00} Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : -- Loan Type : Secured The information in the article above has never been certified to meet reporting standards. The data provided is not always accurate, complete, or up to date. I demand that any wrong, incomplete, or unsupported material be deleted. 

XXXX TransUnion TransUnion Account # : XXXX Account Description : Individual Account Rating : CollectionOrChargeOff Account Status : Closed Account Type : Revolving Balance Owed : {$0.00} Closed Date : -- Credit Limit : XXXX Creditor Remarks : SETTLED - LESS THAN FULL BALANCE Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : N High Balance : {$2200.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$0.00} Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : -- Loan Type : -- The above mentioned content has never been certified to meet any reporting standards. The data presented has never been verified or proven to be accurate, complete, or up to date. In order to confirm compliance with any reporting obligations or consumer legislation, proper documentation would be required. The information supplied is insufficient, and I demand that any unsupported or incorrect material be deleted. 
Faithfully The document I have sent you includes my concerns about the accuracy and truthfulness of your reporting. The law requires that you follow certain procedures to ensure this, but according to what's required by both FCRA as well Metro 2 -- it needs certified compliant. 
XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX I am sending this complaint to the following agencies as well XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Also I am attaching a copy of this letter below and will keep it for communication reference should this matter not be looked into and resolved appropriately, I will present this letter in court as proof of communication