Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear Sir/Madam, I am writing to formally dispute several inaccuracies that I have identified on my credit report. The following entries contain erroneous information and should be investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically referencing sections 15 U.S.C. 1692g and 15 U.S.C. 1692c. 

Inaccurate Entries Account Name : XX/XX/XXXX ( Original Creditor XX/XX/XXXXBalance : {$850.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX High Credit : {$850.00} Discrepancy : This account is reported as a collection with an open date and balance that do not match the original creditors records. Additionally, this collection is not reported by TransUnion and XXXX, causing an inconsistency in my credit profile. 

Account with XXXX XX/XX/XXXXTransUnion and XXXX Account Balance : {$0.00} Date Opened : XX/XX/XXXX High Credit : {$860.00} Discrepancy : This account is marked as a charge-off with a {$0.00} balance, which is inaccurate. It has also been purchased by another lender, and this status is not reflected uniformly across all reporting agencies. 

Account Name : XX/XX/XXXX ( Unnamed Creditor ) Balance : {$45.00} Date Opened : XX/XX/XXXXXX/XX/XXXXt : {$750.00} Discrepancy : This account is 120 days past due, which does not reflect the actual payment status and history accurately. This entry is also not reported by XXXX and XXXX. 

XXXX XXXXXX/XX/XXXXd ( TransUnion, XXXX, XXXX ) Balance : {$2400.00} Date Opened : XX/XX/XXXX Credit Limit : {$2000.00} Discrepancy : This account is reported as a charge-off across all three bureaus, but there are inconsistencies in the status of dispute resolution and date of last activity : TransUnion Comments : Dispute resolved, reported by XXXX. 
Experian Comments : Account previously in dispute now resolved, reported by data furnisher ( To be used for FCRA or FCBA disputes ). 
XXXX Comments : Charged off account, account closed by credit grantor. 

Account Name : XXXX XXXX ( TransUnion, XXXX, XXXX ) Balance : {$430.00} Date Opened : XX/XX/XXXX Credit Limit : {$300.00} Discrepancy : The balance of {$430.00} and the credit limit of {$300.00} are reported, indicating an inconsistency. The payment status is listed as Charge-off and Charged off as bad debt, but the comments indicate that the account information was disputed by the consumer under the Fair Credit Reporting Act ( FCRA ). 

Legal Requirements Under 15 U.S.C. 1692g, I am entitled to a validation of these debts. I am requesting : The amount of the debt and any fees or charges that have been added. 
The original creditors name and contact information. 
Documentation showing that you have the legal right to collect this debt. 
A copy of the original signed loan agreement or credit contract. 
Proof of the last payment made and a statement showing how the amount claimed as owed has been calculated. 

Additionally, under 15 U.S.C. 1692c, any communication regarding these debts should not be made in an inconvenient manner or to third parties without my consent. 

If the credit bureau or debt collector can not provide the requested validation of the debt, including the documentation showing their legal right to collect the debt, they must remove the disputed information from my credit report. 

Actions Requested I request that the inaccurate information be corrected or removed from my credit report promptly. If these debts can not be validated according to the requirements of 15 U.S.C. 1692g, they must be deleted from my credit report immediately. Furthermore, any continued misreporting of these accounts may be considered a violation of my rights under the FDCPA and FCRA.

Furthermore, pursuant to 15 U.S.C. 1692c ( c ), I hereby request that you cease all communication with me regarding these disputed debts. This includes any further attempts to collect the debt unless it is to inform me that your collection efforts are being terminated or to notify me of any specific remedies that you intend to invoke. 

Please complete your investigation of these matters and provide me with written confirmation of your findings within 30 days. If you find any of my disputes to be valid, please send an updated copy of my credit report reflecting the corrected information. 

Thank you for your prompt attention to this matter. 

Accounts Names : Account Name :XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX