Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion Dispute Department XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX  XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate information listed on my credit report as provided by your agency. Upon reviewing my credit reports, I have identified several violations of the Fair Credit Reporting Act ( FCRA ) Section 623, 15 U.S.C. 1681s-2. Specifically, the violations pertain to : - Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information - Section 623 ( a ) ( 1 ) ( C ) - Duty to correct and update information XXXX XXXX XXXX  TransUnion Report **Account : XXXX XXXX XXXX XXXX High Balance : {$19000.00} - Last Verified : XX/XX/XXXX - Date of Last Activity : XX/XX/XXXX - Date Reported : XX/XX/XXXX - Balance Owed : {$12000.00} - Closed Date : XX/XX/XXXX - Account Rating : Charged off as bad debt - Payment Status : 74 Month ( s ) Installment account - Payment History : Several blank months and inconsistencies **Account : XXXX XXXX** - High Balance : {$760.00} - Last Verified : XX/XX/XXXX - Date of Last Activity : XX/XX/XXXX - Date Reported : XX/XX/XXXX - Balance Owed : {$0.00} - Closed Date : XX/XX/XXXX - Account Rating : Payment after charge off / collection - Payment History : NONE REPORTED **Account : XXXXXXXX XXXX XXXX XXXX** - XXXX XXXX XXXX {$1000.00} - Last Verified : XX/XX/XXXX - Date of Last Activity : XX/XX/XXXX - Date Reported : XX/XX/XXXX - Balance Owed : {$860.00} - Closed Date : XX/XX/XXXX - Account Rating : 120 days past due - Payment History : OK for some months, several months blank or inconsistent **Account : XXXX  XXXX** - High Balance : {$690.00} - Last Verified : XX/XX/XXXX - Date of Last Activity : XX/XX/XXXX - Date Reported : XX/XX/XXXX - Balance Owed : {$690.00} - Closed Date : XX/XX/XXXX - Account Rating : Charged off as bad debt - Payment History : NONE REPORTED **Account : XXXX XXXX - High Balance : {$3400.00} - Last Verified : XX/XX/XXXX - Date of Last Activity : XX/XX/XXXX - Date Reported : XX/XX/XXXX - Balance Owed : {$3400.00} - Closed Date : XX/XX/XXXX - Account Rating : Charged off as bad debt - Payment History : NONE REPORTED **Account : XXXXXXXX XXXX XXXX** - High Balance : {$890.00} - Last Verified : XX/XX/XXXX - Date of Last Activity : XX/XX/XXXX - Date Reported : XX/XX/XXXX - Balance Owed : {$890.00} - Account Rating : Individual account, Collection services- Payment History : NONE REPORTED # # # XXXX Report **Account : XXXX XXXX XXXX - High Balance : {$19000.00} - Last Verified : XX/XX/XXXX XXXX Date of Last Activity : XX/XX/XXXX - Date Reported : XX/XX/XXXX - Balance Owed : {$12000.00} - Closed Date : XX/XX/XXXX - Account Rating : Charge-off - Payment History : Account previously in dispute, now resolved, reported by subscriber, inconsistent reporting of charge-offs **Account : XXXX XXXX** - High Balance : Not provided - Last Verified : XX/XX/XXXX - Date of Last Activity : XX/XX/XXXX - Date Reported : XX/XX/XXXX - Balance Owed : Not provided - Closed Date : XX/XX/XXXX - Account Rating : Paid, was a charge-off - Payment History : Numerous inconsistencies, account previously in dispute, now resolved **Account : XXXXXXXX XXXX XXXX XXXX** - High Balance : {$1000.00} - Last Verified : XX/XX/XXXX - Date of Last Activity : XX/XX/XXXX - Date Reported : XX/XX/XXXX - Balance Owed : {$860.00} - Closed Date : XX/XX/XXXX - Account Rating : Past due 150 days - Payment History : Dispute resolved, consumer disagrees, numerous inconsistencies **Account : XXXX XXXX** - High Balance : Not provided - Last Verified : XX/XX/XXXX - Date of Last Activity : XX/XX/XXXX - Date Reported : XX/XX/XXXX - Balance Owed : {$690.00} - Closed Date : XX/XX/XXXX - Account Rating : Charge-off - Payment History : Account previously in dispute, now resolved, numerous inconsistencies **Account : XXXX XXXX - High Balance : Not provided - Last Verified : XX/XX/XXXX - Date of Last Activity : XX/XX/XXXX - Date Reported : XX/XX/XXXX - Balance Owed : {$3400.00} - Closed Date : XX/XX/XXXX - Account Rating : Charge-off - Payment History : Account closed at credit grantor 's request, numerous inconsistencies **Account : XXXX XXXX XXXX* - High Balance : {$890.00} - Last Verified : XX/XX/XXXX - Date of Last Activity : XX/XX/XXXX - Date Reported : XX/XX/XXXX - Balance Owed : {$890.00} - Account Rating : Individual account, Collection services- Payment History : NONE REPORTED XXXX XXXX XXXX XXXXXXXX Report XXXX does not report detailed account information or payment histories for the listed accounts. XXXX XXXX XXXX XXXX Violations Summary Upon comparing the reported data to the requirements outlined in the FCRA, the following violations are evident : 1. **Inaccurate Reporting** : Multiple accounts show inconsistencies in the reported payment statuses and histories, with blank months and discrepancies across different reports. This violates Section 623 ( a ) ( 1 ) ( A ), which mandates the reporting of accurate information. 

2. **Failure to Correct Information** : The reports indicate that previously disputed accounts have not been accurately updated. Section 623 ( a ) ( 1 ) ( C ) requires that furnishers of information correct and update information as necessary to ensure its accuracy and completeness. 

3. **Inconsistent Date Reporting** : Payment histories are inaccurately reported with inconsistent dates such as 30 days late recorded multiple times when it should be sequentially 30, 60, 90, and 120 days late. These inaccuracies are present on multiple accounts and have harmed my ability to obtain new credit. 

XXXX XXXX XXXX  Request for Action I request that the inaccurate and incomplete information be **removed** from my credit report within 15 days. These errors are adversely affecting my credit score and do not comply with the FCRA. Failure to address these inaccuracies will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and inform me of the actions taken to resolve these issues. 
, Best Regards, XXXXXXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved