Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information and Request for Compliance with Laws XXXX XXXX. XXXX and XXXX XXXX. XXXX Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit report. Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ), I have the right to dispute any incorrect or incomplete information in my credit report, and I am entitled to a response within XXXX  days of my dispute submission. 

XXXX XXXX : ** XXXX Credit Card with account # XXXX opened on XX/XX/XXXX with a balance of {$0.00}. Remarks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( unknown ) XXXX account from XXXX XXXX XXXX with account # XXXX and a balance of {$2100.00}. 

The information reported on my credit report is inaccurate for the following reasons : - Rating Unknown. 
- Why the account doesnt show any late payment reported. 
- The account does not specify if it has been XXXX, XXXX, XXXX or even XXXX days late. 
- History of the account is not available, accurate or clear. 
- Remarks - Inaccurate information In addition to the inaccuracies mentioned above, I want to emphasize that I have already sent XXXX previous dispute letters regarding these errors on [ Insert Date of First Letter ] and [ Insert Date of Second Letter ]. Unfortunately, I have not received any response from your office, nor have I been provided with any documentation or evidence to support the erroneous information still listed on my credit report. 

In addition to disputing this information, I am also invoking my rights under the XXXXXXXX XXXX ( GLBA ), specifically XXXX XXXX. XXXX and XXXX XXXX. XXXX : XXXX. XXXX U.S.C. XXXX - Protection of Nonpublic Personal Information : ** This section mandates that financial institutions must implement measures to protect the security and confidentiality of my personal information. I believe that the inaccurate reporting is a violation of this protection, as it reflects a failure to ensure the accuracy and security of my data. 

XXXX. XXXX U.S.C. XXXX - Obligations with Respect to Disclosures : ** This section requires financial institutions to provide clear notice to consumers regarding their privacy policies and the sharing of nonpublic personal information. I request full disclosure of the policies and procedures that led to the sharing of my personal information with third parties, including how this inaccurate information was disclosed. 

I kindly request that you take the following actions : XXXX. XXXX XXXX : ** XXXX a thorough investigation into the inaccuracies on my credit report, as required by the Fair Credit Reporting Act ( FCRA ), and provide me with a written statement of the results. 

XXXX. **Correction or Deletion : ** If the investigation confirms that the information is incorrect, please delete the inaccurate data from my credit report immediately. 

XXXX. **Documentation : ** Provide me with all relevant documentation that supports the accuracy of the information being reported or that substantiates the removal of the inaccurate information. 

XXXX. **Disclosure of Privacy Practices : ** Provide me with a copy of the privacy practices that govern the handling of my personal information, as per XXXX U.S.C. XXXX.