Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Sir or Madam, I am writing to you as a consumer to formally lodge a complaint regarding multiple discrepancies found in the credit reports provided by XXXX, XXXX, and TransUnion. These discrepancies violate several provisions of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Equal Credit Opportunity Act ( ECOA ). 

I. Accounts in Dispute and Identified Discrepancies XXXX. XXXX - Account # XXXX : - XXXX XXXX Does not report the last verification. Incorrect reporting date ( XX/XX/XXXX ). Closing date not reported. 
- XXXX : Incorrect last activity date ( XX/XX/XXXX ). Does not report the last verification or closing date. 
- TransUnion : Different closing and last activity dates from the other agencies. 

XXXX. XXXX - Account # XXXX : - XXXX XXXX Does not report the last verification. Incorrect last activity date ( XX/XX/XXXX ). 
- XXXX : Discrepancies in the last activity date ( XX/XX/XXXX ). Closing date not reported. 
- TransUnion : Different last activity and closing dates from the other agencies. 

XXXX. XXXX - Account # XXXX : - XXXX XXXX Does not report the last verification or last activity date. Incorrect reporting date ( XX/XX/XXXX ). 
- XXXX : Discrepancies in the last activity date. Does not report the last verification or closing date. 
- TransUnion : Different last activity and closing dates from the other agencies. 

XXXX. XXXX - Account # XXXX : - XXXX XXXX Does not report the last verification or last activity date. Incorrect reporting date ( XX/XX/XXXX ). 
- XXXX : Incorrect last activity and reporting dates. Does not report the last verification or closing date. 
- TransUnion : Different closing and last activity dates from the other agencies. 

XXXX. XXXX - Account # XXXX : XXXX : Does not report the last verification, last activity date, or closing date. 
XXXX : Discrepancies in the last activity date. Does not report the last verification or closing date. 
TransUnion : Different last activity and closing dates from the other agencies. 

XXXX. Legal Basis for the Dispute Violation of the FCRA ( 15 U.S.C. 1681 ) 1. According to the FCRA, credit agencies are required to ensure that all information in a credit report is accurate, complete, and verified. The discrepancies mentioned above clearly demonstrate a violation of Sections 1681e ( b ) and 1681i, which require 2. agencies to correct or delete any inaccurate or incomplete information following a consumer dispute.

2. Violation of the TILA ( 15 U.S.C. 1601 et seq. ) The TILA requires that credit terms be disclosed clearly and accurately. Discrepancies in dates, balances, and account statuses suggest a failure to comply with these provisions, which negatively impacts my ability to make informed financial decisions.

3. Violation of the FDCPA ( 15 U.S.C. 1692 ) While the FDCPA primarily applies to debt collectors, inaccurate information in credit reports may indicate improper handling of reported debts, which could constitute a misleading and unfair practice, in violation of this act.

4. Violation of the ECOA ( 15 U.S.C. 1691 ) Inaccuracies in credit reports can affect my access to credit under fair and equitable terms, thus constituting a violation of the XXXX. These discrepancies not only negatively impact my credit score but also influence credit granting decisions. 

XXXX. Attached Evidence I have attached copies of my credit reports issued by XXXX, XXXX, and TransUnion. I have clearly marked each of the discrepancies and errors that require correction. This evidence demonstrates the urgent need for a thorough review and correction. 

IV. Demands XXXX. Immediate Investigation and Correction : I request a complete investigation and immediate correction of all inaccuracies noted. If the accuracy of the information can not be verified, I demand the deletion of the disputed accounts from my credit reports. 
XXXX. Notification to Agencies : Once corrections have been made, I request that all credit agencies be notified and that I be provided with an updated copy of my credit report, free of errors. 
XXXX. Removal of Incorrect Information : I demand the immediate removal of any incorrect or unverifiable information, as required by the FCRA, TILA, FDCPA, and XXXX. 

XXXX. Warning of Legal Action : Should adequate measures not be taken to resolve these inaccuracies within the legal timeframe of 30 days, I will file a formal complaint with The Federal Trade Commission ( FTC ) and will consider further legal actions to protect my rights. 

XXXX Conclusion I expect your prompt response and action within 30 days of receiving this letter. This is a matter of significant importance that requires your immediate attention to ensure the accuracy and integrity of my credit report.