Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Request for Deletion of Inaccurate Charge-Off Account Dear Sir/Madam, I am writing to formally dispute the reporting of a charge-off account from XXXX XXXX on my credit report due to multiple inconsistencies in the information reported by XXXX and TransUnion. These discrepancies constitute inaccurate reporting under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq., and therefore warrant the deletion of this tradeline. 

# # # Account Details - **Creditor : ** XXXX XXXX - **Account Number : ** XXXX - **Date of First Delinquency : ** XX/XX/XXXX # # # Identified Discrepancies XXXX XXXX XXXX XXXX XXXX Different Removal Dates : - **XXXX : ** Reports the charge-off as remaining on record until XX/XX/XXXX. 
- **TransUnion : ** Reports the charge-off as remaining on record until XX/XX/XXXX. 

# # # # 2. Inconsistent First Reported Dates : - *XXXX  : ** XXXX reported date is XX/XX/XXXX. 
- **TransUnion : ** First reported date is XX/XX/XXXX. 

# # # # XXXX. Payment History and Status Inconsistencies : - **XXXX  Payment History : ** - XXXX XXXX - XX/XX/XXXX : ** Reflects OK status. 
- XXXX XXXX - XX/XX/XXXX : ** Reflects OK status until XX/XX/XXXX, when the account goes to CO ( Charge-Off ). 
- XXXX - XXXX : ** Continues to show CO status every month. 

- **TransUnion Payment History : ** - XXXX XXXX - XX/XX/XXXX : ** Reflects OK status. 
- XXXX XXXX - XX/XX/XXXX : ** Reflects OK status until XX/XX/XXXX, when the account goes to CO ( Charge-Off ). 
- XXXX - XXXX : ** Shows varying statuses with some months missing data or reflecting different statuses such as XXXX, XXXX, 90 days late inconsistently. 

# # # Specific Month Discrepancies : - **XXXX XXXX : ** - **XXXX XXXX ** OK - **TransUnion : ** 30 days late - XXXX XXXX : ** - **Experian : ** OK - **TransUnion : ** 60 days late - **XXXX XXXXXXXX : ** - **Experian : ** OK - **TransUnion : ** 90 days late - XXXX XXXX : ** - **XXXX XXXX ** OK - **TransUnion : ** CO ( Charge-Off ) - XXXX XXXX : ** - **XXXX : ** CO ( Charge-Off ) - **TransUnion : ** CO ( Charge-Off ) These discrepancies are not minor and suggest systemic errors in the reporting of this account. Under the FCRA, the accuracy and completeness of the information on consumer reports are essential. Given these errors and inconsistencies, the reporting of this account is not in compliance with federal law. 

# # # Request for Deletion Due to these significant discrepancies and the resulting inaccurate reporting, I request that you delete the XXXX XXXX charge-off account from my credit report immediately. This action is necessary to ensure that my credit report is accurate and fair as required by the FCRA. 

Please investigate this matter thoroughly and confirm the deletion of this tradeline in writing once it has been completed. I have enclosed copies of my credit reports from both XXXX and TransUnion highlighting the discrepancies for your reference. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX # # # Attachments- Copy of XXXX credit report highlighting the discrepancy - Copy of TransUnion credit report highlighting the discrepancy - Screenshots of payment history and status inconsistencies