Consumer complaint received 2024-10-24
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX DOB : XXXXXXXX  Phone : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX , PA XXXX Subject : Formal Dispute of Inaccurate Information Account Number : [ Insert Account Number Here ] Dear TransUnion, I am writing to follow up on my previous requests for verification of the account associated with the reference number mentioned above. Despite multiple requests, I have yet to receive the proper documentation to verify the accuracy of the information you are reporting. Under the Fair Credit Reporting Act ( FCRA ), you are required to provide evidence that the information being reported is correct ; otherwise, the inaccurate information must be removed from my credit report. 

Additionally, I have conducted a UC 11 Lien Search through the California Secretary of State, and the results confirm that I do not owe any debts or have any active liens that would justify the reporting of such an account. The results of this search, dated XX/XX/XXXX, and certified by the California Secretary of State, show that there are no debts listed under my name that would corroborate the account information reported on my credit file. Below are the details from the UC 11 search : UC 11 Lien Search Certificate Secretary of State Business Programs Division Debtor Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Search Date : XX/XX/XXXX Certification Number : XXXX Search Results : There are no active or unlapsed financing statements, tax liens, attachment liens, or judgment liens under my name. 

Given the findings of this search and the fact that you have not provided the required verification documents, I formally request the immediate removal of this account from my credit report. Please ensure that the following errors are corrected : Items in Dispute : 1. Account Type Disputed Information : The account type is incorrect. 
Reason : The account type does not match any account type I have ever held. 
2. Date Opened Disputed Information : The date opened is inaccurately reported. 
Reason : The reported opening date is not consistent with any accounts I have opened. 
3. Status Disputed Information : The status is listed as 120 days past due. 
Reason : No account exists under my name that could be in such a status. 
4. Status Updated Disputed Information : The status update date is inaccurate. 
Reason : There is no valid account to justify the reported status. 
5. Balance Disputed Information : The balance is incorrectly reported. 
Reason : The balance shown does not match any financial obligation I owe. 
6. Balance Updated Disputed Information : The last balance update is incorrect. 
Reason : No such account or balance exists under my name. 
7. Original Balance Disputed Information : The original balance is inaccurately reported. 
Reason : This amount does not reflect any transaction or agreement related to me. 
XXXX. Monthly Payment Disputed Information : The reported monthly payment is incorrect. 
Reason : There is no account that justifies such a monthly payment under my name. 
9. Past Due Amount Disputed Information : The past due amount is incorrect. 
Reason : I do not have any debts, as confirmed by the UC 11 Lien Search. 
10. Terms Disputed Information : The account terms are incorrect. 
Reason : No valid terms exist for this non-existent account. 
11. Responsibility Disputed Information : The responsibility assigned is incorrect. 
Reason : I have no legal or financial responsibility for this account. 
12. Payment History Disputed Information : The payment history shows delinquent payments. 
Reason : This does not reflect my actual payment history, as no such account exists. 

Request for Immediate Action Given that you have not provided documentation to verify the validity of this account despite my repeated requests and the UC 11 Lien Search confirming that I do not owe any debts, I request that this account be deleted from my credit report immediately. 

Please confirm receipt of this letter and inform me of the results of your investigation. I expect a resolution within the 30-day timeframe outlined in the FCRA. 

Sincerely, XXXX XXXX XXXX SSN : XXXX DOB : XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX SSN : XXXX DOB : XXXX Phone : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Formal Dispute of Inaccurate Information Account Number : XXXX Dear TransUnion, I am writing to formally dispute the inaccurate and unverifiable information reported on my credit file regarding the account listed as XXXX XXXX XXXX , account number XXXX. Despite my requests, no documentation has been provided to verify the legitimacy of this account. Under the Fair Credit Reporting Act ( FCRA ), you are required to provide such documentation or remove the inaccurate information. 

Upon reviewing the account information reported on my credit file, I found numerous errors that must be corrected. I am disputing the following items in regard to this account : Items in Dispute : 1. Account Type Disputed Information : The account is reported as open with XXXX XXXX XXXX. 
Reason : This account type does not reflect any active or valid obligation on my part. 
2. Date Opened Disputed Information : The date opened is reported as XX/XX/XXXX. 
Reason : I have no recollection of opening such an account on this date, and no documentation has been provided to verify this. 
3. Status Disputed Information : The status is reported as 120 days past due. 
Reason : There is no basis for this account to be in such a delinquent status, as it does not correspond to any legitimate debt. 
4. Status Updated Disputed Information : The status was last updated in XX/XX/XXXX. 
Reason : No documentation has been provided to verify this update, and the status does not align with any debts I owe. 
5. Balance Disputed Information : The balance is reported as {$48000.00}. 
Reason : I do not owe this amount, and there is no documentation supporting this balance. 
XXXX. Balance Updated Disputed Information : The balance was last updated on XX/XX/XXXX. 
Reason : Without any documentation, this balance is incorrect and must be removed. 
7. Original Balance Disputed Information : The original balance is reported as {$47000.00}. 
Reason : There is no valid account associated with this balance. 
8. Monthly Payment Disputed Information : The monthly payment is not accurately reflected in the report. 
Reason : I do not have an active account requiring such payments, and no monthly payment is valid for this alleged debt. 
9. Past Due Amount Disputed Information : The past due amount is listed as 120+ days late. 
Reason : No such debt exists, and this reporting is inaccurate and harmful to my credit. 
10. Terms Disputed Information : The account terms are inaccurately reported.

Reason : The terms reported do not align with any legitimate agreement or account I hold. 
11. Responsibility Disputed Information : The responsibility is incorrectly assigned to me. 
Reason : I have no legal or financial responsibility for this account as I do not owe this debt. 
12. Payment History Disputed Information : The payment history reports multiple late payments as of XXXX. 
Reason : I have never made payments toward this account, and this reporting is incorrect. 

Request for Immediate Action In addition to these errors, I have conducted a UC 11 Lien Search through the California Secretary of State, which confirms that there are no outstanding debts or liens under my name that would justify the reporting of this account. Given that you have not provided verification documents, as required under the FCRA, and the findings of the lien search, I request the immediate removal of this account from my credit report. 

I expect a response and the resolution of this matter within the 30-day period mandated by the FCRA. 

Sincerely, XXXX XXXX XXXX SSN : XXXX DOB : XXXXXXXX  Subject : Formal Dispute of Inaccurate Reporting for XXXX XXXX XXXX Account ( Account Number : XXXX ) To Whom It May Concern, I am writing to formally dispute the accuracy of the XXXX XXXX XXXX account reported on my credit report, with the account number XXXX. This letter is submitted under the authority of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be complete, accurate, and verifiable. 

**Account Information** - Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX - Current Balance : {$48000.00} - Original Balance : {$0.00} - Past Due Amount : {$47000.00} - Monthly Payment : {$0.00} - Account Status : Open, 120 days past due - Date Opened : XX/XX/XXXX - Balance Updated : XX/XX/XXXX **Legal Grounds for Dispute** 1. **Inconsistent Balance Reporting** : The account reflects a current balance of {$48000.00} while simultaneously reporting an original balance of {$0.00}. This inconsistency violates the FCRAs requirement for accuracy and clarity in reporting. It is illogical for an account to show a significant current balance when no original debt is reported. Such discrepancies raise serious questions regarding the legitimacy of this debt and could be construed as deceptive practices under both consumer protection laws and contract law principles. 

2. **Absence of Monthly Payment Obligation** : The account lists a monthly payment amount of {$0.00}. Given the reported status of the account as 120 days past due, this raises further questions about the accounts accuracy and validity. Under the Truth in Lending Act ( TILA ), creditors must provide clear terms regarding payment obligations. A monthly payment of {$0.00} is inconsistent with an account that is significantly past due, suggesting either misreporting or an error in record-keeping. 

3. **Unspecified Terms of the Agreement** : The terms field associated with this account is blank. According to principles of contract law, every enforceable agreement must include clear terms that define the obligations of both parties. The absence of defined terms suggests that there may be no enforceable agreement in place, which calls into question the validity of the account itself. Such ambiguity could constitute a violation of consumer protection standards, as consumers must understand their obligations under any credit arrangement. 

4. **Right to Verification** : Pursuant to FCRA Section 609 ( a ) ( 1 ) ( A ), I hereby request that you provide verification of this debt. Specifically, I request documentation that clearly delineates the calculations for the reported balance, the history of payments, and any contractual agreements associated with this account. If such documentation can not be provided, I request that the account be removed from my credit report in accordance with FCRA regulations. 

**Metro 2 Format Codes** - Account Status Code : 11 ( Open Account ) - Payment History Code : 08 ( 120 Days Past Due ) - Current Balance : {$48000.00} - Original Balance : {$0.00} - Monthly Payment : XXXX - Account Type : 1 ( Individual ) - Date Opened : XXXX ( MMYYYY format for XX/XX/XXXX ) **Request for Action** In light of the aforementioned discrepancies and legal concerns, I respectfully request a thorough investigation of this account. I seek the removal or correction of the inaccurate reporting in accordance with your findings. Furthermore, I request written confirmation of the results of your investigation, as mandated by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX