Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under Metro 2 compliance and FCRA law, which will ensure that youre meeting deadlines while maintaining accuracy! The information in my credit report and below is wrong. It was never proven to be factual, so now I have decided to exercise my consumer rights! I know I'm entitled to accurate and current information about my finances. So, when the misrepresentation of facts is found on my credit report it can and has had serious consequences! This means I need you to fix these problems right away before they get worse! I am exercising my right to be informed of any inaccuracies on my credit report. I request that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXXXXXX TransUnion TransUnion Account # XXXX XXXX XXXX Account Description : Individual Account Rating : XXXX XXXX Account Status : XXXX Closed Account Type : XXXX Revolving Balance Owed : XXXX {$320.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX -- Creditor Type : - Finance Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$3200.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX {$76.00} Payment Frequency : XXXX -- Payment Status : XXXX XXXX Term Length : XXXX -- Loan Type : XXXX I've spotted a serious mistake on my credit report concerning the account named XXXX XXXX XXXX It's wrongly showing late payments for XXXX in XXXX, and I need this fixed right away.Please update it to never late and paid as agreed, and also send me the information you used to verify this account. I'm not happy about this error, and I expect it to be corrected promptly. 

XXXX XXXX XXXX XXXX TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$0.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX DISPUTE RESOLVED - SUBSCRIBER DISAGREES Creditor Type : - Finance Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$6700.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX {$0.00} Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX -- Loan Type : Secured Your information is not accurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately or else legal action will ensue. Inaccurate, imperfect information has no place in your database or on my credit report, so please delete it now. 


XXXX XXXX XXXX XXXXXXXX TransUnion TransUnion Account # : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Closed Account Type : XXXX Revolving Balance Owed : XXXX {$0.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX DISPUTE OF ACCOUNT INFORMATION/CLOSED BY CONSUMER Creditor Type : - Banking Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX Y High Balance : XXXX {$0.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX {$0.00} Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX -- Loan Type : CreditCard The above-mentioned content was never certified to be in conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated! Documentation confirming compliance with reporting obligations and any consumer legislation is required. The information supplied above is insufficient. I demand that any wrong, incomplete, or unsupported material be deleted! 

XXXX XXXX XXXX XXXXXXXX TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$0.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX DISPUTE RESOLVED - SUBSCRIBER DISAGREES Creditor Type : - Finance Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$6500.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX {$0.00} Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX The information you have provided is not accurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately or else legal action may ensue. Inaccurate, imperfect information has no place in your database or on my credit report, so please delete it now XXXX XXXX XXXX XXXX XXXXXXXX TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX XXXX Account Status : XXXX Open Account Type : XXXX Revolving Balance Owed : XXXX {$1300.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX ACCOUNT INFORMATION DISPUTED BY CONSUMER Creditor Type : - Banking Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX Y High Balance : XXXX {$1300.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX {$95.00} Payment Frequency : XXXX -- Payment Status : XXXX XXXX Term Length : XXXX -- Loan Type : CreditCard I found no evidence of a late payment for account XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. Please provide proof or update to " paid as agreed, never late. '' The XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) cases confirm the need for immediate action. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX XXXX Account Status : XXXX Closed Account Type : XXXX Revolving Balance Owed : XXXX {$1200.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX DISPUTE RESOLVED REPORTED BY XXXX Creditor Type : - Banking Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$1200.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX {$61.00} Payment Frequency : XXXX -- Payment Status : XXXX XXXX The information provided above has not been certified to meet any reporting standards, and may be inaccurate or incomplete. I request that any wrong or unsupported information be deleted from this document. 

XXXX XXXX XXXX XXXX XXXXXXXX TransUnion TransUnion Account # XXXX XXXX XXXX Account Description : Individual Account Rating : XXXX XXXX Account Status : XXXX Open Account Type : XXXX Revolving Balance Owed : XXXX {$840.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX DISPUTE RESOLVED - SUBSCRIBER DISAGREES Creditor Type : - Finance Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$840.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX {$68.00} Payment Frequency : XXXX -- Payment Status : XXXX LateOver120Days Term Length : XXXX -- Loan Type : CreditCard I stumbled across a funny thing in my credit report. There's this late payment for account XXXX XXXX XXXX for the year XXXX, in the month of XXXX, but it's all tied up in a billing error.Now, 15 USC 1666 of TILA says you're supposed to fix these errors. Cases like XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) back this up too.Could you do me a favor and change that late payment to " paid as agreed '' or " never late, '' but keep everything else as is? I'd really appreciate it! 

XXXX XXXX - XXXX TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX XXXX Account Status : XXXX Open Account Type : XXXX Revolving Balance Owed : XXXX {$380.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX DISPUTE RESOLVED REPORTED BY XXXX Creditor Type : - Banking Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$380.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX {$25.00} Payment Frequency : XXXX -- Payment Status : XXXX LateOver120Days Term Length : XXXX -- Loan Type : XXXX The content mentioned above has never been certified to meet reporting standards. The data provided has never been verified as accurate, complete, current, or valid. In order to ensure compliance with any consumer legislation and reporting obligations, I demand that any incorrect, incomplete, or unsupported material be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion TransUnion Account XXXX XXXX XXXX XXXX Account Description : Individual Account Rating : XXXX XXXX Account Status : XXXX Closed Account Type : XXXX Revolving Balance Owed : XXXX {$3200.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX ACCOUNT CLOSED BY CREDIT XXXX Creditor Type : - Finance Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$3200.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX {$150.00} Payment Frequency : XXXX -- Payment Status : XXXX LateOver120Days Term Length : XXXX -- Loan Type : XXXX The information provided above has not been certified to meet any reporting standards, and may be inaccurate or incomplete. I request that any wrong or unsupported information be deleted from this document. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion TransUnion Account # XXXX XXXX XXXX Account Description : Individual Account Rating : XXXX XXXX Account Status : XXXX Closed Account Type : XXXX Revolving Balance Owed : XXXX {$2700.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX DISPUTE RESOLVED - SUBSCRIBER DISAGREES Creditor Type : - Wholesale Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$2700.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX {$150.00} Payment Frequency : XXXX -- Payment Status : XXXX XXXX Term Length : XXXX -- Loan Type : ChargeAccount The information in the article above has never been certified to meet reporting standards. The data provided is not always accurate, complete, or up to date. I demand that any wrong, incomplete, or unsupported material be deleted. 

XXXX XXXX XXXX XXXX XXXX TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Open Account Type : XXXX Open Balance Owed : XXXX {$2200.00} Closed Date : XXXX -- Credit Limit : XXXX -- Creditor Remarks : XXXX ACCOUNT INFORMATION DISPUTED BY CONSUMER Creditor Type : - CollectionServices Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX Y High Balance : XXXX {$2200.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX -- Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX -- Loan Type : -- The information provided above has not been certified to meet reporting standards. The data may not be accurate, complete, or up to date. 
I demand that any inaccurate, incomplete, or unsupported material be removed. 

XXXX XXXX XXXX XXXX XXXX TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : JointContractualLiability Account Rating : XXXX AsAgreed Account Status : XXXX Open Account Type : XXXX Installment Balance Owed : XXXX {$51000.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX -- Creditor Type : - Banking Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$76000.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX {$1100.00} Payment Frequency : XXXX -- Payment Status : XXXX AsAgreed Term Length : XXXX -- Loan Type : Automobile I've discovered an alarming error on my credit report with the account named XXXX XXXXXXXX XXXX, showing late payments for XXXX in XXXX. This is a clear mistake. I demand that you update it to never late and paid as agreed, and I also request the information used to validate this account. Under the FCRA and the precedents set in previous consumer law cases, inaccurate late payment reporting is a serious issue, and I trust you will address this matter urgently. 

XXXX XXXX XXXX XXXX XXXX TransUnion TransUnion Account # XXXX XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$6500.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX PROFIT AND LOSS WRITEOFF Creditor Type : - Finance Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$6000.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX {$0.00} Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX -- Loan Type : Unsecured The information included in this document has not been certified to meet any specific reporting standards. The data included is not guaranteed to be accurate, up-to-date, or complete. In order to ensure compliance with any consumer legislation and reporting obligations, supporting documentation is required. The information provided is insufficient and I demand that any unsupported or incorrect material be deleted. 

XXXX  - XXXX TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$5400.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX Creditor Remarks : XXXX PROFIT AND LOSS WRITEOFF Creditor Type : - XXXX Date XXXX : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$4900.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX {$0.00} Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX -- Loan Type : Unsecured I insist that you update your information immediately, as it is currently inaccurate and does not meet the minimum standard for accuracy. If it is not fixed immediately, legal action may be necessary. 
Inaccurate data has no place in your records or on my credit report, so please erase it immediately. 

XXXX XXXX XXXX XXXX - XXXX TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$5100.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX PROFIT AND LOSS WRITEOFF Creditor Type : - Finance Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$4100.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX {$0.00} Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX -- Loan Type : Secured I demand that this deficient information be deleted immediately! This information was never verified to be accurate, complete, timely, or validated. It was never proven to be compliant with reporting standards. 

XXXX  XXXX XXXX XXXX XXXX TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Open Account Type : XXXX Open Balance Owed : XXXX {$4500.00} Closed Date : XXXX -- Credit Limit : XXXX -- Creditor Remarks : XXXX PLACED FOR COLLECTION Creditor Type : - CollectionServices Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$4500.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX -- Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX -- Loan Type : CollectionAttorney The information above was never confirmed to be in compliance with proper reporting standards. The information is deficient and I demand that it be removed immediately.