Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Request for Reinvestigation and Deletion of Collection Accounts XXXX XXXX XXXX Dear TransUnion, This letter serves as a follow-up to my previous correspondence dated XX/XX/XXXX, in which I invoked my rights under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ) for an investigation into specific entries in my credit report provided by TransUnion. The entries in question are as follows : Accounts for Reinvestigation : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Account Type : Open account Account Type - Detail : Open account XXXX Code : Individual account Date Opened : XX/XX/XXXX Balance : {$650.00} High Credit : {$650.00} Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer Date Last Active : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) Account Number : XXXX Account Type : Open account Account Type - Detail : Open account XXXX Code : Individual account Date Opened : XX/XX/XXXX Balance : {$1800.00} High Credit : {$1800.00} Last Reported : XX/XX/XXXX Comments : Dispute resolved; customer disagrees, Account information disputed by consumer under the Fair Credit Reporting Act Date Last Active : XX/XX/XXXX I received a response stating that these entries have been " VERIFIED. '' However, I insist upon receiving hard copy documentation as proof of this verification. It seems to me that TransUnion has been sharing unverifiable and inaccurate credit information, detrimentally impacting my XXXX XXXX and limiting my financial capabilities. 

I invoke my rights under the FCRA and XXXX XXXX compliance guidelines, which demand that credit reporting be XXXX XXXX accurate and XXXX XXXX verifiable. Hence, I formally request that TransUnion expunge these incorrect entries from my credit report. Furthermore, I implore you not to " update '' or " verify '' these entries again without conducting a thorough, due diligence investigation. 

I hereby request TransUnion to furnish me with a written contract and hard copy documentation that corroborates the information being reported on my credit profile, mailed to me via XXXX. Please note that screenshots and medical bills are insufficient forms of proof. I maintain that THIS DEBT IS NOT MINE, and I require verification featuring my signature on an actual contract. 

The current state of my XXXX XXXX, which I value greatly, is being unfairly tarnished due to this misinformation. I expect specific responses to the queries raised in this letter, as opposed to a templated reply. Please be informed that I am prepared to initiate legal action if my concerns are not satisfactorily addressed. 

Allow me to draw your attention to the court cases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), where consumers triumphed against credit bureaus on account of their failure to execute a reasonable investigation into disputes. I trust TransUnion will uphold consumer rights and conduct an exhaustive investigation into this matter. Should you fail to produce tangible proof of this alleged debt, I ask that you immediately delete this data from my credit report. 

Discrepancies Noted : Status Updated : The status is reported as updated in XX/XX/XXXX, which conflicts with the balance update on XX/XX/XXXX, indicating inconsistent reporting of account activity. 
Payment History : The account shows continuous collections from XX/XX/XXXX to XX/XX/XXXX, without any updated status in the interim, which suggests inaccurate reporting of payment history and account status. 
Date of Last Activity : The account status indicates it was last updated in XX/XX/XXXX, but the collection activity is reported continuously through XX/XX/XXXX. This inconsistency reflects a failure to accurately report the timeline of account activities. This inaccurate info falsely manipulates the statute of limitations. You have failed to investigate this account properly, and your willful non-compliance and negligence have violated my rights. 
Legal Basis for Reinvestigation : Under the FCRA, XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), you are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Given the inconsistencies and inaccuracies noted, I request that you : Reinvestigate these accounts with a focus on compliance with XXXX XXXX standards and using the XXXX system. 
Correct any inaccuracies or delete the accounts from my credit report if they can not be verified accurately. 
Failure to address these discrepancies will result in further action, including considering legal action for continued violations of the FCRA. 

I anticipate your response within XXXX  days upon receiving this letter. Non-compliance within this period will be taken as an agreement to permanently eliminate the disputed items from my credit report.