Consumer complaint received 2024-09-04
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)

**Subject : ** Formal Dispute : Request for Deletion of Inaccurate Account Information - XXXX XXXX XXXX Attorney XXXX*Dear [ TransUnion ], ** I am writing to formally dispute the accuracy and completeness of the information reported on my credit file concerning the account listed under " XXXX XXXX XXXX Attorney. '' After thoroughly reviewing the account details, I have identified several discrepancies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ), as well as other relevant consumer protection laws. I request that this account be deleted from my credit report immediately. 

**Account Information : ** - **Creditor : ** XXXX XXXX XXXX Attorney - **Reported Balance : ** {$47000.00} - **Last Reported Date : ** XX/XX/XXXX - **Account Status : ** Open ( Child Support ) - **Payment History : ** Last Payment - XX/XX/XXXX ; 120-149 days late **Discrepancies and Errors Identified : ** 1. **Inconsistent Account Balance Information : ** - The reported balance of {$47000.00} is inconsistent with the " Highest Balance '' field, which is listed as " Information not available '' or " {$0.00}. '' Under Section 609 ( a ) ( 1 ) of the FCRA, credit reporting agencies are required to ensure that all information is complete and accurate. The failure to report a " Highest Balance '' accurately, while simultaneously reporting a large outstanding balance, creates a discrepancy that questions the validity of the entire account entry. 

2. **

Incomplete Account Details : ** - The account status is marked as " Open, '' yet there is no clear documentation regarding the current balance, payment obligations, or the " Highest Balance '' ever owed. According to Section 611 of the FCRA, consumers have the right to dispute incomplete or inaccurate information, and credit reporting agencies must correct or delete information that can not be verified. The lack of critical details such as the " Highest Balance '' or the current payment status violates this provision, necessitating the removal of this account from my report.

3. **Inaccurate Reporting of Payment History : ** - The payment history shows that 38 % of payments were made on time, but it also lists the worst payment status as " 120-149 days late, '' with no further detail on how this percentage was calculated. This vague and misleading reporting violates the accuracy requirement under Section 623 of the FCRA, which mandates that furnishers of information provide complete and accurate data. Inconsistent payment history reporting can significantly and unfairly damage a consumer 's creditworthiness and must be corrected or removed.

4. **Incorrect Payment Status : ** - The payment status shows a " last payment '' made on XX/XX/XXXX, but the account is marked as being " 120-149 days late. '' This timeline is incongruent and suggests either an error in recording payments or a failure to update the account status in a timely manner. Under Section 623 ( a ) ( 2 ) of the FCRA, furnishers are required to update and correct information that has been identified as inaccurate or incomplete. The continued presence of these errors on my credit report is unjustified and must be addressed by removing the account entirely.

5. **Failure to Verify Disputed Information : ** - I previously requested verification of this account, including the original signed documentation that allegedly supports the balance and payment history. To date, I have not received any such verification. According to Section 609 ( a ) ( 1 ) ( A ) of the FCRA, I have the right to request verification of any account listed on my credit report. If the credit bureau can not provide this verification, the law requires the immediate deletion of the account from my report.

**Conclusion : ** Based on the identified discrepancies and violations of the FCRA XXXX I request that the XXXX XXXX XXXX Attorney account be immediately deleted from my credit report. The inaccurate and incomplete reporting of this account has unjustly harmed my creditworthiness, and the continued presence of this erroneous information violates my rights under federal law. 

Please confirm in writing that this account has been removed from my credit report, or provide me with detailed documentation verifying the accuracy and completeness of all reported information. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that this dispute has been resolved in compliance with the FCRA and relevant consumer protection laws. 

**Sincerely, ** *XXXX XXXX XXXX XXXXSSN : ** XXXX **DOB : ** XXXX **Email : ** XXXX XXXX **Address : ** XXXX XXXX XXXX XXXX, XXXX, CA XXXX -- with this letter , I have attached ID picture for verification as well as image of my Social Security card. I as well A FTC identity theft report Report As well as an image of the credit report, displaying the incomplete erroneous in accurate information that is being furnished on my consumer report