Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Dear TransUnion, I am filing this complaint as part of my dispute regarding inaccurate and unverifiable information being reported on my credit file. Specifically, the accounts owned by XXXX XXXX XXXX, serviced by XXXX XXXX XXXX, with original creditor XXXX XXXX XXXX, are inaccurately reported as charge-offs. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to demand the immediate deletion of these accounts from my credit report for the following reasons : 1. Violation of FCRA 15 U.S.C. 1681i Failure to Verify Information Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to delete any information that can not be verified or is inaccurate. In this case, the accounts in question were sold to XXXX XXXX XXXX after being charged off by the original creditor, XXXX XXXX XXXX. Once an account is sold, the original creditor is no longer legally permitted to report the debt as an active charge-off or to list a balance. These charge-offs are inaccurate and misleading. 

I am formally disputing the reporting of these accounts, and I request that they be deleted from my credit report. Specifically, the accounts I am disputing are : Account ending in XXXX, current balance reported as {$810.00} Account ending in XXXX, current balance reported as {$620.00} These accounts must either show {$0.00} balance under the original creditor or be deleted from my report entirely as the debt has been transferred. 

XXXX. Violation of FCRA 15 U.S.C. 1681s-2 Reporting Inaccurate Information Under FCRA 15 U.S.C. 1681s-2 ( b ), furnishers of information ( in this case, XXXX XXXX ) are required to conduct a reasonable investigation into the accuracy of disputed information. If the information can not be verified or is found to be inaccurate, they must promptly inform the credit reporting agencies and update or delete the information. 

Since these debts have been sold and charged off, the continued reporting of these accounts as active charge-offs is inaccurate and violates my rights under the FCRA. The consumer reporting agencies are also obligated under the FCRA to ensure that only accurate and complete information is reflected in my credit file. 

XXXX. Request for Deletion of Accounts I request that the following actions be taken immediately : Deletion of all information related to the accounts ending in XXXX and XXXX from my credit report. 
Removal of any associated charge-off notations from my credit file, as they are no longer accurate following the sale of the debt to a third party. 

XXXX. Failure to Act Will Result in Further Action Under FCRA 15 U.S.C. 1681n and 15 U.S.C. 1681o, credit reporting agencies can be held liable for willfully or negligently failing to comply with the FCRA 's requirements. If you fail to delete this inaccurate and unverifiable information from my credit report, I will pursue all available remedies, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action for violations of my rights under the FCRA. 

I request written confirmation once these accounts have been deleted from my report. If you need any additional information from me to facilitate this request, please contact me promptly.