Consumer complaint received 2024-11-04
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. (FL)

I am writing to formally dispute several inaccurate and unverifiable accounts reported by TransUnion on my credit report, as allowed under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX provisions related to credit reporting. These accounts are inaccurately reported and may also be in violation of the XXXX XXXX, which provides protections for accounts affected by the XXXX pandemic. 

Disputed Accounts : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Also known as : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Violations of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX : XXXX Section 1681i Failure to Reinvestigate Inaccurate Information As per 15 U.S.C. 1681i, I have the right to dispute inaccurate or incomplete information on my credit report, and TransUnion must conduct a reasonable reinvestigation. I request an immediate reinvestigation of these accounts. 

XXXX. Section 1681e ( b ) Failure to Ensure Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), TransUnion must follow reasonable procedures to ensure maximum possible accuracy of the information. Since these accounts are inaccurate or unverifiable, TransUnion has failed to meet this obligation. 

XXXX. Section 1681s-2 ( a ) Duty of Furnishers to Provide Accurate Information Under 15 U.S.C. 1681s-2 ( a ), creditors and furnishers are required to provide accurate information. Any incorrect reporting of these accounts constitutes a violation of this section, and TransUnion must act to correct or remove the information. 

XXXX. Section 1681s-2 ( b ) Failure to Properly Investigate Disputed Information Per 15 U.S.C. 1681s-2 ( b ), creditors must investigate disputes promptly and correct inaccurate information. If they can not verify these accounts, they must be removed from my credit report. 

XXXX. Section 1681c Obsolete Information Under 15 U.S.C. 1681c, negative information, such as collections and charge-offs, should not remain on my report for more than XXXX years. If these accounts contain outdated information, they should be removed immediately. 

XXXX. Section 1681g Right to Access My Credit File I assert my right under 15 U.S.C. 1681g to obtain a full and updated copy of my credit report once these errors have been corrected or the accounts removed. 

XXXX. XXXX XXXX Protections for XXXX Impacted Accounts The XXXX XXXX  ( Public Law XXXX ) amended the FCRA to require creditors to report accounts as " current '' if they were subject to accommodations due to the XXXX pandemic, such as forbearance or deferred payments. I believe these accounts were affected by such accommodations during the pandemic and should have been reported as " current '' during that period, as outlined under Section 4021 of the XXXX XXXX. 

If any of the accounts in question were not reported according to the XXXX XXXX provisions, I request that TransUnion and the creditors correct the status of these accounts immediately to reflect their " current '' standing during the accommodation period. 

Desired Resolution : Immediate correction or removal of the accounts listed above if they are found to be inaccurate, incomplete, unverifiable, or in violation of the XXXX XXXX. 
A free updated copy of my credit report from TransUnion after the reinvestigation is completed, as per my rights under 15 U.S.C. 1681i and 1681g.

Assurance that these errors will not negatively impact my creditworthiness moving forward, especially in light of the XXXX XXXX protections. 
If these violations are not rectified within the XXXX period provided by law, I am prepared to pursue legal remedies under 15 U.S.C. 1681n for willful noncompliance and 15 U.S.C. 1681o for negligent noncompliance. 

Thank you for your prompt attention to this matter. I expect timely confirmation of the investigation and resolution of these disputed accounts.