Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/XXXX TransUnion XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute, Demand for Immediate Correction, and Notice of Intent to Sue for Multiple Violations of 15 U.S.C. 1681s-2, 1681c, and 1681n - Entitlement to Statutory Damages for Each Violation - FTC Complaint attached To Whom It May Concern, This letter is a Formal Dispute and Notice of Intent to Sue regarding your company 's persistent and willful violations of the Fair Credit Reporting Act ( FCRA ), including multiple instances of false reporting, illegal charge-off statuses for multiple months, and the continued publication of my XXXX  XXXX bankruptcy information in violation of 15 U.S.C. 1681c ( b ). 
Despite my previous disputes, your responses have falsely claimed that the inaccurate information has been " verified as accurate. '' This is patently false, as the following discrepancies remain unresolved. By continuing to report these inaccuracies after multiple disputes, you are in direct violation of the FCRA, which entitles me to statutory damages of {$1000.00} per violation. 
Your willful disregard of federal law leaves me no choice but to escalate this matter. If you do not immediately rectify these violations, I will pursue legal action seeking the full statutory damages as allowed under 15 U.S.C. 1681n for willful noncompliance. 

1. Illegal Repeated Charge-Off Statuses & Inaccuracies : XXXX XXXX XXXX  Account # XXXX ( Removed by XXXX ) ** FCRA Violation : 15 U.S.C. 1681s-2 ( b ) You are illegally reporting a charge-off status for two consecutive months, which is impermissible under the FCRA. A debt can be charged off once, not multiple times. 
Dispute Outcome : Despite my previous dispute, this account was falsely verified as accurate, constituting willful noncompliance. 
Statutory Penalty : {$1000.00} per violation. 
Other Inaccuracies : The Date Opened, High Credit Limit, Date Last Active, and Payment History remain inconsistent across reporting bureaus, in further violation of the FCRA 's accuracy requirement. 

XXXX XXXX Account # XXXX ( Removed by XXXX and XXXX ) ** FCRA Violation : 15 U.S.C. 1681s-2 ( b ) You are continuing to report a Charge-Off and a balance owed, even though this debt has been sold. The account can not carry a balance once sold, and you can not report multiple charge-offs for different months. 
Dispute Outcome : This account was also inaccurately verified as correct after my dispute, showing continued illegal reporting. 
Statutory Penalty : {$1000.00} per violation. 
Additional Violations : The Date Opened, Date Last Active, High Credit Limit, and Payment History remain inaccurate, with blanks in the two-year payment history, making your reporting incomplete as well as inaccurate. 

XXXX  Account # XXXX ( Removed by XXXX ) FCRA Violation : 15 U.S.C. 1681s-2 ( b ) This account continues to be reported as Charged Off, while also showing a balance owed after the debt has been sold. Your false reporting of charge-offs for multiple months is illegal under the FCRA. 
Dispute Outcome : This account was verified as accurate in prior disputes, which is blatantly false. 
Statutory Penalty : {$1000.00} per violation. 
Additional Violations : The Date Opened, Date Last Active, and Two-Year Payment History are inconsistent and incomplete. 

2. Illegal Publication of Bankruptcy Information : XXXX  XXXX Bankruptcy ***Removed by XXXX XXXX XX/XX/XXXX and by XXXX XXXX XXXX XXXX FCRA Violation : 15 U.S.C. 1681c ( b ) The continued publication of my XXXX XXXX bankruptcy beyond the legally permissible timeframe is illegal. Under the FCRA, bankruptcy information may not be reported after 10 years or once it has been removed by credit bureaus, which has already occurred in both XXXX and XXXX. 
Dispute Outcome : Despite prior disputes, this information has been falsely verified as accurate, further compounding the FCRA violations. 
Statutory Penalty : {$1000.00} per violation for each continued instance of illegal reporting. 
Inaccuracies : Status, Date Filed, Reference Number, Asset Amount, and Liability remain inaccurate. 

3. Additional Account Inaccuracies and FCRA Violations : XXXX XXXX XXXX Account # XXXX FCRA Violation : 15 U.S.C. 1681s-2 ( b ) Despite previous disputes, this account continues to be inaccurately reported across all three credit bureaus. Inconsistent reporting of Account Status, Date Opened, High Credit Limit, Date Last Active, Payment Status, and Payment History are clear violations of the FCRA. 
Statutory Penalty : {$1000.00} per violation for continued false reporting. 

XXXX XXXX XXXXXXXX Account # XXXX ( Removed by XXXX ) ** FCRA Violation : 15 U.S.C. 1681s-2 ( b ) This account continues to show inconsistencies in Account Status, Date Opened, Date Last Active, Payment Status, and Date of Last Payment ( not to mention the account was opened in XXXX which is PRIOR to me even being XXXX XXXX XXXX ), which were verified as accurate despite being blatantly incorrect. 
Statutory Penalty : {$1000.00} per violation for each inaccuracy. 

XXXX Account # XXXX ( Removed by XXXX XXXX ** FCRA Violation : 15 U.S.C. 1681s-2 ( b ) This account is still inaccurately reporting inconsistent information about Date Opened, Date Last Active, and Payment Status, with incomplete payment history, even after multiple disputes. 
Statutory Penalty : {$1000.00} per violation for each continued instance of false reporting. 

XXXX Account # XXXX ( Removed by XXXX XXXX ** FCRA Violation : 15 U.S.C. 1681s-2 ( b ) Inaccurate reporting of Account Status, Date Opened, Date Last Active, Payment Status ( listed as " Unknown '' ), Date of Last Payment, and incomplete Payment History remain unresolved after multiple disputes. 
Statutory Penalty : {$1000.00} per violation. 



XXXX XXXX Account # XXXX ( Removed by XXXX XXXX ** FCRA Violation : 15 U.S.C. 1681s-2 ( b ) Inconsistent reporting of Account Status, Date Opened, High Credit Limit, Date Last Active, and Payment History, despite previous disputes, constitutes multiple violations of the FCRA. 
Statutory Penalty : {$1000.00} per violation for each inaccurate or incomplete item. 

XXXX Account # XXXX ( Removed by XXXX XXXX ** FCRA Violation : XXXX U.S.C. XXXX ( b ) Continued reporting of false and inconsistent information about Account Status, Date Opened, Last Reported, Date Last Active, Payment Status, and Two-Year Payment History is a clear breach of the FCRA. 
Statutory Penalty : {$1000.00} per violation. 

Sincerely, XXXX XXXX