Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to dispute the reporting of the XXXX XXXX account ( Account # XXXX ) on my credit report. Based on multiple discrepancies and inaccuracies, I request the removal of the late payment status and any other inaccurate entries associated with this account. These errors represent violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines, and they are damaging my credit profile. 

Violations Cited Inaccurate and Misleading Reporting of Payment Status FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : This section requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information. The XXXX XXXX  account shows both a closed status and a " Late 90 Days '' payment status on TransUnion and XXXX. Reporting a " Late 90 Days '' status on an account marked as closed, with a XXXX balance, is inaccurate and misleading. This error violates FCRA accuracy standards and misrepresents the status of the account. 
Inconsistent and Inaccurate Data across Bureaus FCRA Section 611 ( 15 U.S.C. 1681i ) : This section requires credit bureaus to investigate and delete information that can not be verified as accurate. 
Date Opened : TransUnion reports XX/XX/year>, while XXXX lists XX/XX/year>. 
Balance and Credit Limit : Both TransUnion and XXXX report a balance of {$0.00}, but they list different credit terms : TransUnion shows a 12-month term, while XXXX shows a 0-month term. 
Date of Last Activity : TransUnion reports XX/XX/year>, while XXXX lists XX/XX/year>. 
These inconsistencies make it clear that this accounts information can not be verified, and it must be corrected or deleted according to FCRA standards. 

Incomplete Reporting FCRA Section 605 ( 15 U.S.C. 1681c ) : This section prohibits reporting of outdated or misleading information. The contradictory entries on this account create an unclear and incomplete picture, misleading lenders about my payment history. Since the account is closed and has a {$0.00} balance, reporting a " Late 90 Days '' status is misleading and harms my credit profile without justification. 
CFPB Violations on Accurate and Fair Reporting CFPB Enforcement on Accuracy and Data Integrity : The CFPB requires that all data furnishers maintain strict accuracy and that any misleading or unclear information be corrected or removed. The conflicting and inaccurate reporting in this account violates CFPBs guidelines on data integrity, as it presents an unfair portrayal of my credit status. 
Requested Action : Immediate Deletion of Late Payment or Account Due to these inconsistencies and the inability to verify accurate information, I formally request under FCRA 15 U.S.C. 1681i that each agency conduct a reinvestigation of this account. I ask that the " Late 90 Days '' payment status be immediately removed to accurately reflect the closed and paid status, or if accuracy can not be established, that the account be deleted entirely from my reports. 

Supporting Documentation Enclosed are copies of my recent credit reports from each agency showing the discrepancies in the XXXX XXXX account information. I am also including a copy of my ID for verification purposes. 

Final Notice Please confirm in writing the deletion of the late payment status or this account from my reports within the 30-day dispute period allowed by the FCRA. Failure to remove this inaccurate, unverifiable, and misleading information will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and may prompt legal action for non-compliance with federal consumer protection laws. 

Thank you for your prompt attention to this matter.