Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX : XXXX ) SSN : XXXX XXXX : XXXX Phone Number : XXXX XX/XX/2024 TransUnion Subject : Formal Dispute of Erroneous Account Reporting Dear TransUnion, I am writing to formally dispute the reporting of an account on my credit file. The account in question contains inconsistent, inaccurate, and unverifiable information that is negatively impacting my creditworthiness. I request an immediate investigation into this matter and a correction or deletion of the erroneous data under the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verified reporting. 

XXXX XXXX XXXX  Account Details- Account Number : XXXX - Creditor Name : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Disputed Errors The account details reported are contradictory, unverified, and demonstrably incorrect : 1. Balance Discrepancy : - The account reflects a Paid Off status, indicating a XXXX balance, yet it also lists a Balance Updated figure of {$49000.00} as of XX/XX/2024. This directly contradicts the Original Balance of {$0.00}. 
- If the original balance was {$0.00}, there is no reasonable explanation for the account to have accrued a balance of {$49000.00}. Similarly, an account with a balance of {$49000.00} can not simultaneously be classified as Paid Off.

2. Unverifiable Reporting : - The accounts contradictory nature demonstrates that the data reported has not been adequately verified. Under the FCRA, specifically 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain reasonable procedures to ensure the maximum possible accuracy of information reported. The errors in this account show a failure to meet that standard.

3. Inaccurate Data Impacting Creditworthiness : - Reporting this erroneous and conflicting information as part of my credit history has caused harm to my creditworthiness, affecting my ability to obtain credit, loans, and other financial services. This directly violates FCRA guidelines requiring accurate and fair reporting to protect consumers from false or misleading credit information. 

XXXX XXXX XXXX Legal Violations The inaccurate reporting of this account violates the following provisions of the FCRA : 1. Failure to Ensure Maximum Possible Accuracy : - Credit bureaus are obligated under 15 U.S.C. 1681e ( b ) to ensure the accuracy of information included in credit reports. The contradictory and unverified nature of this account indicates a breach of this duty.

2. Failure to Verify Disputed Information : - Under 15 U.S.C. 1681i, when a consumer disputes the accuracy of an account, the credit bureau must conduct a timely and reasonable investigation, including verification of all reported information. This account can not be reasonably verified in its current state. 

3. Harmful Reporting of False Information : - The FCRA prohibits the inclusion of information that can not be substantiated or verified as accurate. Reporting false or contradictory data harms consumers and undermines the integrity of credit reporting systems.

4. Statute of Limitations : - Additionally, I would like to bring to your attention that the statute of limitations for collecting debt in California may have expired for this account. Under California law, the statute of limitations for certain debts is typically four years. If this account is beyond that timeframe, it should not be reported. XXXX XXXX XXXX Requested Resolution To resolve this matter, I request the following : 1. A full investigation into the reported account and its accuracy.

2. Deletion of the account from my credit file if it can not be verified as accurate, consistent, and compliant with FCRA standards. 
3. Written confirmation of the actions taken to address this dispute. 

XXXX XXXX XXXX  Supporting Evidence Please find attached relevant documentation for your review. Should additional information be required, please contact me immediately using the details provided below. 

XXXX XXXX XXXX Closing Remarks This erroneous reporting has caused undue harm to my credit reputation and financial standing. I expect prompt action to investigate and rectify this matter as required under the FCRA. If this issue is not resolved in a timely manner, I may be forced to pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies. 

I look forward to your response within the XXXX timeframe as outlined in the FCRA. 

Sincerely, XXXX XXXX XXXX