Consumer complaint received 2024-08-19
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)

I am writing to formally dispute several inaccuracies on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ). I also request the removal of all reported late payments associated with the accounts listed below. Please investigate and correct the following issues : XXXX. Negative Accounts Disputes a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$3900.00} - Late Payment Amount : {$150.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Not mine or I'm not liable for this account ) - XXXX ( Current balance incorrect ) b ) XXXX XXXXXXXX ( Account : XXXX ) - Balance : {$2100.00} - Late Payment Amount : {$150.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Never late ) - XXXX ( Current balance incorrect ) c ) XXXX XXXX ( Account : XXXX ) - Balance : {$2200.00} - Late Payment Amount : {$150.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Not mine or I'm not liable for this account ) - XXXX ( Current balance incorrect ) d ) XXXX XXXX XXXX ( Account : XXXX  ) - Balance : {$65.00} - Late Payment Amount : {$150.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Not mine or I'm not liable for this account ) - XXXX ( Balance incorrect ) XXXX ) XXXX XXXX XXXX XXXX ( Account : XXXX ) - Balance : {$330.00} - Late Payment Amount : {$100.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Not mine or I'm not liable for this account ) - XXXX ( Balance incorrect ) f ) XXXX XXXX XXXX  ( Account : XXXX ) - Balance : {$12000.00} - Late Payment Amount : {$300.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Account closed with balance remaining ) - XXXX ( Information incorrect ) g ) XXXX XXXX XXXX ( Account : XXXX ) - Balance : {$0.00} - Late Payment Amount : {$150.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Unpaid balance reported as a loss ) - XXXX ( Never late ) h ) XXXX XXXX XXXX ( Account : XXXX ) - Balance : {$0.00} - Late Payment Amount : {$50.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Not responsible for this account ) - XXXX ( Balance incorrect ) i ) XXXX XXXX XXXX ( Account : XXXX ) - Balance : {$8700.00} - Late Payment Amount : {$300.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Belongs to another individual with a similar name/address ) - XXXX ( Account closed ) j ) XXXX XXXX ( Account : XXXX ) - Balance : {$5200.00} - Late Payment Amount : {$300.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Belongs to another individual with a similar name/address ) - XXXX ( Account closed ) XXXX XXXX XXXX XXXX XXXX ( Account : XXXX ) - Balance : {$4000.00} - Late Payment Amount : {$100.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Not mine or I'm not liable for this account ) - XXXX ( Dispute investigation incomplete or not received ) l ) XXXX XXXX XXXX ( Account : XXXX ) - Balance : {$3200.00} - Late Payment Amount : {$300.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Belongs to another individual with a similar name/address ) - XXXX ( Account closed ) m ) XXXX XXXX ( Account : XXXX ) - Balance : {$1100.00} - Late Payment Amount : {$150.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Not mine or I'm not liable for this account ) - XXXX ( Creditor agreed to delete ) XXXX ) XXXX XXXX ( Account : XXXX ) - Balance : {$990.00} - Late Payment Amount : {$100.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Account paid in full ) - XXXX ( Balance incorrect ) o ) XXXX XXXX XXXX ( Account : [ if available ] ) - Balance : {$240.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Not mine or I'm not liable for this account ) - XXXX ( Balance incorrect ) For all accounts listed above, I assert the following FCRA Violations : - 1681i ( a ) ( 1 ) : Failure to conduct a reasonable investigation - 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information - 1681s-2 ( b ) : Failure to investigate upon receiving notice of dispute 2. Address Removal Request I request the immediate removal of all addresses associated with my credit file except for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All other addresses are incorrect and must be removed immediately. 

FCRA Violation : - 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy