Consumer complaint received 2024-11-08
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. (UT)

I am writing to formally request an investigation into the inaccurate charge-off information and collection accounts that currently appear on my credit report provided by Transunion. This information is incorrect, and I request its immediate removal from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable laws. 
Account Information : The following accounts have been inaccurately reported and are causing unjustified harm to my credit profile : XXXXXXXX XXXX XXXXXXXX - Account XXXX : XXXX XXXX. XXXX - Account XXXX : XXXX XXXX. XXXX XXXX - Account XXXX : XXXX XXXX. XXXX XXXX XXXX - Account No : XXXX Basis for Dispute : 1. Inaccuracy of Information : The reported charge-off and collection account information is incorrect and has not been substantiated in previous rounds of dispute. I request a thorough comparison and verification of all discrepancies reported on these accounts among TransUnion, XXXX, and XXXX. The continued inclusion of erroneous information without adequate verification procedures, as required by the FCRA, is causing significant and unwarranted harm to my credit history. 
2. Right to Accurate Information ( FCRA Section 609 ) : Under Section 609 ( 15 U.S.C. 1681g ), I have the right to obtain and dispute the completeness and accuracy of the information in my credit report. I request that you investigate and verify the accuracy of the reported charge-offs and collection accounts. If verification can not be substantiated with clear and accurate documentation, the information must be removed. 
3. Reinvestigation of Disputed Information ( FCRA Section 1681i ) : Under Section 611 ( 15 U.S.C. 1681i ), I have the right to request a reinvestigation of any information I believe to be incorrect or inaccurate on my credit report. The lack of an adequate response in previous dispute rounds raises concerns regarding Transunion compliance with this section. I demand that you immediately review and correct this information, ensuring compliance with the statutory standards.Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
4. Removal of Inaccurate/Invalidated Credit Information ( 15 U.S.C. 1681i ( 5 ) ) : As per Section 611 ( 5 ) of the FCRA, if, after a reinvestigation, an item of information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete such information from the consumers file. Continued reporting of these items without proper verification violates my rights and statutory protections, and therefore, I request their removal. 
5. Responsibilities of Information Providers ( FCRA Section 1681s-2 ) : Under Section 623 ( 15 U.S.C. 1681s-2 ), information providers must ensure the accuracy and completeness of the information reported. The inclusion of this incorrect charge-off and collection account information represents a clear violation of this section and reflects a disregard for the accuracy standards required of data furnishers. 
6. Compliance with Accuracy Procedures ( FCRA Section 1681e ) : According to Section 607 ( 15 U.S.C. 1681e ), credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information contained in credit reports. The continued reporting of this inaccurate charge-off indicates that these procedures have not been adhered to. This lack of procedural compliance jeopardizes the integrity of my credit report and contravenes the standards set forth by the FCRA. 
7. Federal Trade Commission ( FTC ) Report No. XXXX : Additionally, I reference 1 of 9 FTC Report XXXX. XXXX, created to address and support the removal of inaccurate accounts in Collection, as listed in this dispute. This report underscores the legal requirement for credit reporting agencies to ensure the accuracy and completeness of consumer information. Transunion failure to correct these errors in a timely manner is a direct violation of the Fair Credit Reporting Act ( FCRA ) and may expose the agency to increased scrutiny and potential penalties under federal law. 
8. Truth in Lending Act ( TILA Section 1601 ) : Section 1601 of the U.S. Code ( 15 U.S.C. 1601 ), part of the Truth in Lending Act ( TILA ), requires the provision of accurate and transparent information in the terms and conditions of credit. This reinforces my right to an accurate and truthful representation of my credit information, and these inaccuracies directly undermine the transparency required by TILA.