Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XXXX I submitted CFPB complaint number XXXX to the attention of TransUnion Consumer Solutions , in reference to improper use of my credit report, TransUnion later closed their investigation with Explanation of account with ( XXXX XXXX XXXX ) VERIFIED AS ACCURATE, I am filling this complaint to ensure that TransUnion assume their vital role in ensuring maximum possible accuracy and ensure that information contained in my credit report is fair and accurate. 




Subject : Formal Dispute Regarding Inaccurate Reporting and Illegal Re-Aging of Debt To Whom It May Concern, I am writing to formally dispute the reporting of inaccurate and misleading information on my TransUnion credit report regarding an account with the creditor listed as XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ), Account Number : XXXX. 

Upon reviewing my credit reports obtained on XX/XX/year>, XX/XX/year>, and XX/XX/year>, I identified several discrepancies, which indicate a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the following violations are present : XXXX. Illegal Re-Aging of Debt : The Date of Last Activity ( XXXX ) has been illegally changed across the reports, with the dates being updated from XX/XX/year>, to XX/XX/year>, and finally XX/XX/year>. Under 15 U.S. Code 1681c ( a ), the date of delinquency or last activity must reflect the original delinquency date. Illegally re-aging this debt to prolong its presence on my credit report is a direct violation of this statute. 
XXXX. Inaccurate Reporting of Account Type : The account is being inaccurately reported as an Open Account across the XXXX reports. However, this is incorrect and misleading. As per 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure the accuracy of the information they report. XXXX failure to accurately classify this account violates the requirement for maximum possible accuracy. 
XXXX. Failure to Correct Disputed Information : Despite disputing this account, TransUnion has failed to resolve the dispute and continues to allow the erroneous information to remain on my credit report. Under 15 U.S. Code 1681i, once a dispute is filed, the CRA must conduct an investigation and correct or remove inaccurate information. 

My Demand : Based on these violations, I am demanding that TransUnion immediately delete the inaccurate and misleading account information from my credit report. If the request is not fulfilled within 30 days, I will have no choice but to pursue legal action for willful and negligent non-compliance with the FCRA as outlined under 15 U.S. Code 1681n and 15 U.S. Code 1681o. Should I be forced to proceed with legal action, I will seek actual, statutory, and punitive damages, along with attorneys fees. 

Enclosed Is a copy of my state issued ( ID ), proof of adress ( Lease Agreement ), ( W-2 ) and a portion or screenshot of my credit report with the account in question. 

Please send me written confirmation of your actions regarding this matter, and a copy of my updated credit report, I expect this account to be completely removed, and all inaccurate information deleted as required by law.