Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for its persistent failure to correct erroneous information on my credit report, specifically related to an account with XXXX XXXX ( account number : XXXX ), and for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

I reviewed my TransUnion credit report and discovered several inaccuracies related to the aforementioned XXXX XXXX account. The erroneous information includes, but is not limited to, the following : **XXXX XXXX ( Account XXXX : XXXX ) ** XXXX. XXXX XXXX : ** TransUnion reports a high balance of {$560.00}, while XXXX and XXXX have discrepancies. 
XXXX. XXXX XXXX : ** TransUnion lists the last verification date as XX/XX/2021. 
XXXX. **Date of Last Activity : ** TransUnion lists the date as XX/XX/2021, which differs from XXXX and XXXX XXXX 
XXXX. **Date Reported : ** TransUnion lists the date as XX/XX/2021. 
XXXX. **Closed Date : ** TransUnion lists the closed date as XX/XX/2021. 
XXXX. XXXX XXXX : ** Listed as derogatory, causing significant impact on my XXXX XXXX. 
XXXX. **Payment Status : ** TransUnion lists the payment status as unknown. 
XXXX - The account is marked as " Closed '' with a " Derogatory '' account rating, despite having a {$0.00} balance and being paid in full. This is a direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the FCRA, which mandates accurate reporting. 
XXXX **The creditor remarks state " XXXX  XXXX bankruptcy, '' which is incorrect and misleading, violating both FCRA and XXXX. 
XXXX XXXX correctly reports the account with a " Current '' payment status and no derogatory remarks, highlighting the inaccuracies in TransUnion 's reporting XXXX XXXX XXXX  Violations of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S. Code 1681i, TransUnion is required to investigate disputed information within 30 days, verify the accuracy of the disputed information, and correct or delete any information found to be inaccurate or unverifiable. TransUnion 's failure to correct the inaccuracies within this period constitutes a clear violation of the FCRA. 

# # # Violations of the Fair and Accurate Credit Transactions Act ( FACTA ) FACTA, an amendment to the FCRA, reinforces consumers ' rights to dispute inaccurate information and mandates that credit reporting agencies take appropriate measures to ensure the accuracy of the information they report. TransUnion 's actions, or lack thereof, also violate the standards and protections established under FACTA.

# # # Impact on My Financial Well-being The presence of erroneous information on my credit report has severely impacted my credit score and, consequently, my ability to secure credit at favorable terms. This has caused significant financial and emotional distress. 

Attached are copies of my initial dispute letters, responses received from TransUnion, and any supporting documentation provided to them. 

Thank you for your attention to this serious matter. I look forward to your prompt assistance in ensuring that my credit report is accurate and that TransUnion adheres to its legal obligations. 

Failure to comply with these demands within 30 days will result in legal action for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) 4. Financial Injury 5. Penalty of Perjury 6. Violations of FDUTPA ( Florida Statutes Chapter 501, Part II )