Consumer complaint received 2024-07-30
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)

XX/XX/XXXX Subject : Dispute of Inaccurate and Incomplete Credit Report Information Under FCRA Dear TransUnion I am writing to formally dispute inaccurate and incomplete information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). Below are the accounts in question, along with the identified discrepancies : Account XXXX : XXXX XXXX XXXX XXXX XXXX Credit Card ) Account Number : XXXX Inaccuracies and Incomplete Items : Account Number : Different numbers are reported on TransUnion and XXXX, with no number provided for XXXX XXXX 

Date Opened : TransUnion reports the account opening date as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. 

High Credit : TransUnion reports a high credit of {$2300.00}, while XXXX reports it as {$0.00}. 

Date Last Active : TransUnion reports the date last active as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. 

Date of Last Payment : Only reported on TransUnion as XX/XX/XXXX, missing on XXXX and XXXX. 

Comments : Different wording and details in the comments section between the two bureaus.

FCRA Violations : Incomplete Information ( FCRA Section 609 ) : The absence of the date of the last payment on XXXX and XXXX is a significant omission. 

Inaccurate Reporting ( FCRA Section 611 ) : Discrepancies in dates ( date opened, date last active ), high credit amount, and account numbers.

Failure to Provide Accurate Information ( FCRA Section 623 ) : Information furnishers are required to provide accurate information. 

Account XXXX : XXXX XXXX Account Number : XXXX Inaccuracies and Incomplete Items : Account Number : Different numbers are reported on XXXX and XXXX XXXX with no number provided for TransUnion . 

High Credit : XXXX reports a high credit of {$500.00}, while XXXX reports it as {$440.00}. 

Date Last Active : XXXX reports the date last active as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. 

Date of Last Payment : XXXX reports the date of last payment as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. 

Comments : Different wording and details in the comments section between XXXX and XXXX. 

FCRA Violations : Incomplete Information ( FCRA Section 609 ) : The absence of the account number on TransUnion and the discrepancies in high credit and dates indicate incomplete reporting.

Inaccurate Reporting ( FCRA Section 611 ) : Discrepancies in high credit amount, date last active, and date of last payment.

Failure to Provide Accurate Information ( FCRA Section 623 ) : Information furnishers are required to provide accurate information.

Account XXXX : XXXXXXXX XXXX Account Number : XXXX Inaccuracies and Incomplete Items : Incomplete Reporting : This account is only reporting to TransUnion and not to XXXX XXXX XXXX. 

FCRA Violations : Incomplete Information ( FCRA Section 609 ) : The absence of this account on XXXX and XXXX is a significant omission. 

Inaccurate Reporting ( FCRA Section 611 ) : The incomplete reporting of this account indicates potential inaccuracies.

Failure to Provide Accurate Info
rmation ( FCRA Section 623 ) : Information furnishers are required to provide accurate information. 

Account XXXX : XXXX XXXX XXXX XXXX ( Unsecured Loan ) Account Number : XXXX Inaccuracies and Incomplete Items : Account Number : Different numbers are reported on TransUnion XXXX XXXX, and XXXX XXXX 

Date Opened : TransUnion reports the account opening date as XX/XX/XXXX, while XXXX and XXXX report it as XX/XX/XXXX. 

High Credit : TransUnion and XXXX report a high credit of {$3000.00}, while XXXX reports it as {$1600.00}. 

Date Last Active : TransUnion reports the date last active as XX/XX/XXXX, XXXX reports it as XX/XX/XXXX, and XXXX reports it as XX/XX/XXXX. 

Date of Last Payment : TransUnion reports the date of last payment as XX/XX/XXXX, XXXX does not provide this information, and XXXX reports it as XX/XX/XXXX. 

FCRA Violations : Incomplete Information ( FCRA Section 609 ) : The absence of the date of the last payment on XXXX and the discrepancies in the account numbers, date opened, high credit, and date last active indicate incomplete reporting. 

Inaccurate Reporting ( FCRA Section 611 ) : Discrepancies in the account numbers, date opened, high credit amount, date last active, and date of last payment. 

Failure to Provide Accurate Information ( FCRA Section 623 ) : Information furnishers are required to provide accurate information.

Requested Actions I demand that TransUnion : Immediately delete these inaccurate and incomplete accounts from my credit report.

Verify the accuracy of the information with the original creditors. 

Confirm the deletion of these accounts and update my credit report accordingly.