Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Formal Demand for Deletion of Inaccurate Accounts and Correction of Erroneous Late Payment of XXXX XXXX XXXX/ XXXX XXXX  account XXXX and XXXX XXXX XXXX XXXX XXXX the Fair Credit Reporting Act ( FCRA ) Dispute Regarding Inconsistent Creditor Information and Inaccurate Late Payment Reporting I am writing to formally dispute and demand the immediate deletion of certain accounts and the correction of inaccurate late payment entries on my credit reports, as mandated by the Fair Credit Reporting Act ( FCRA ). The accounts in question are associated with XXXX XXXX and XXXX XXXX Bank and exhibit significant inconsistencies in creditor names and addresses across different credit reporting agencies. Additionally, there are erroneous late payment entries that adversely affect my credit standing. 

XXXX XXXX XXXX XXXX reviewing my credit reports from XXXX and TransUnion, I have identified the following discrepancies : XXXX XXXX XXXX/ XXXX XXXX account numberXXXX XXXX : Listed at XXXX XXXX XXXX, XXXX  XXXX XXXX MO XXXX XXXX 
TransUnion : Listed at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 
XXXX  / XXXX XXXX XXXX : Listed at XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, GA XXXX. 
TransUnion : Listed as XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX 
These discrepancies in creditor names and addresses violate the FCRA 's requirement for maximum possible accuracy in consumer reports. The conflicting information renders these accounts unverifiable and necessitates their immediate deletion. 

Erroneous Late Payment Reporting In addition to the inconsistencies mentioned above, my credit reports reflect late payment entries for the months of XX/XX/XXXX ( 30 days late ) and XX/XX/XXXX ( 60 days late ) on the account associated with Self Financial. These entries are inaccurate, as my account was either resolved or closed prior to or during this period. Reporting such inaccuracies violates the FCRA 's provisions regarding the accuracy of information furnished to credit reporting agencies. 

Legal Basis for Deletion and Correction 15 U.S.C. 1681e ( b ) Accuracy of Reports This section mandates that credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inconsistencies in creditor information and erroneous late payment entries indicate a failure to adhere to this standard.

15 U.S.C. 1681i Procedure in Case of Disputed Accuracy Under this provision, if the completeness or accuracy of any item of information contained in a consumer 's file is disputed by the consumer, the agency shall reinvestigate free of charge and record the current status of the disputed information or delete the item from the file. Given the unverifiable nature of the disputed accounts and the inaccuracies in late payment reporting, deletion and correction are warranted. 

15 U.S.C. 1681s-2 ( a ) Responsibilities of Furnishers of Information This section outlines the responsibilities of furnishers to provide accurate information. Furnishers are prohibited from reporting information with actual knowledge of errors and are required to correct and update information that is incomplete or inaccurate. The reporting of inconsistent creditor information and erroneous late payments constitutes a violation of these responsibilities. 

Case Law Supporting Deletion and Correction Several court cases have addressed issues related to inaccurate reporting and the responsibilities of credit reporting agencies and furnishers : XXXX XXXX XXXX XXXX XXXX, XXXX, No. 23-2355 ( 7th Cir. 2024 ) : The court held that XXXX violated the FCRA by reporting inaccurate late payments, emphasizing the obligation of credit reporting agencies to ensure the accuracy of information. 
XXXX XXXX XXXX XXXX XXXX XXXX Bank, NA, No. 16-17107 ( 11th Cir. 2019 ) : The court found that the bank willfully violated the FCRA by failing to investigate the plaintiff 's dispute and unlawfully obtaining his credit report, highlighting the duties of furnishers under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, No. 20-3368 ( 7th Cir. 2021 ) : The court addressed the obligations of credit reporting agencies to investigate disputes and the consequences of failing to correct inaccurate information. 
JUSTIA LAW These cases underscore the legal obligations of credit reporting agencies and furnishers to maintain accurate information and to correct or delete information that is inaccurate or can not be verified. 

Demand for Immediate Action In light of the above, I formally demand the following actions : Immediate Deletion of the accounts associated with Self Financial and XXXX XXXX XXXX  from my credit reports due to inconsistent and unverifiable creditor information. 

Correction of Erroneous Late Payment Entries for XX/XX/XXXX and XX/XX/XXXX on the Self Financial account, as these entries are inaccurate and adversely affect my credit standing. 

Written Confirmation of the deletion and correction actions taken, to be provided to me within 30 days of receipt of this letter, as required by the FCRA. 

Consequences of Non-Compliance Failure to comply with the FCRA 's requirements for accuracy and correction of information may result in legal action. Under 15 U.S.C. 1681n, consumers may seek damages for willful noncompliance, including actual damages, statutory damages, punitive damages, and attorney 's fees. Additionally, under 15 U.S.C. 1681o, consumers may seek damages for negligent noncompliance. 

Conclusion I trust that XXXX, TransUnionXXXX XXXX XXXX XXXX XXXX XXXX XXXX will take this matter seriously and act promptly to correct these inaccuracies. Please provide written confirmation of the actions taken to address this dispute within the 30-day timeframe specified by the FCRA.