Consumer complaint received 2024-08-16
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. (FL)

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Reinvestigation and Deletion of Inaccurate Information XXXX XXXX XXXX Dear TransUnion, I am writing to formally dispute the inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX guidelines. The inaccuracies on my credit report are severely impacting my credit score and are hindering my ability to secure a safe home for my family. The specific accounts in question are as follows XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account : XXXX Account Type : Open Account Bureau Code : Individual Account Date Opened : XX/XX/XXXX Balance : {$650.00} High Credit : {$650.00} Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer Date Last Active : XX/XX/XXXX Account : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX. ) Account Number : XXXX Account Type : Open Account Bureau Code : Individual Account Date Opened : XX/XX/XXXX Balance : {$1800.00} High Credit : {$1800.00} Last Reported : XX/XX/XXXX Comments : Dispute resolved; customer disagrees Date Last Active : XX/XX/XXXX Discrepancies and Request for Deletion : 1. Payment History : Continuous Reporting Without Status Updates Violation : FCRA Section 623 ( a ) ( 5 ) ( A ) and XXXX XXXX guidelines require accurate reporting of the date of first delinquency and prohibit continuous reporting of collections or charge-offs if the debt has not been re-validated. The XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) account XXXX shows continuous reporting of the balance and last activity as recently as XX/XX/XXXX, despite being disputed. This continuous reporting without appropriate status updates misrepresents the state of the account and violates XXXX XXXX standards. 
2. Status Updated vs. Balance Updated : Inconsistent Reporting Violation : FCRA Section 607 ( b ) and XXXX XXXX guidelines mandate that credit report information must be accurate and up-to-date. The XXXX XXXX XXXX account ( XXXX ) shows discrepancies between the last reported date ( XX/XX/XXXX ) and the last activity date ( XX/XX/XXXX, according to XXXX ). This inconsistency between TransUnion and other credit bureaus suggests that the information is not being accurately maintained and reported. 
XXXX XXXX : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account : XXXX Discrepancy : Continuous Reporting Without Status Updates. 
Violation : The account is continuously reported with an active balance as of XX/XX/XXXX, even though it is disputed and has not been updated with a proper resolution. This ongoing reporting without proper validation violates FCRA Section 623 ( a ) ( 5 ) ( A ) and XXXX XXXX guidelines. 

XXXX. Account : XXXX XXXX XXXX  ( Account Number : XXXX ) Discrepancy : Status Updated vs. Balance Updated. 
Violation : Inconsistencies between the last activity dates across different credit bureaus suggest inaccurate reporting, violating FCRA Section 607 ( b ). The account was reported active by TransUnion with a last activity date of XX/XX/XXXX, while XXXX shows an earlier last activity date ( XX/XX/XXXX ), indicating a lack of accurate data synchronization and reporting. 
Conclusion : Given these discrepancies and violations, I formally request the immediate deletion of these accounts from my credit report as they fail to meet the accuracy and compliance standards mandated by the FCRA and XXXX XXXX guidelines. 

Failure to address these discrepancies will result in further action, including considering legal action for continued violations of the FCRA. Please understand that the impact of these inaccuracies extends beyond creditworthiness ; they are directly affecting my family 's ability to secure a safe place to live. 

I anticipate your response within 2 days upon receiving this letter. Non-compliance within this period will be taken as an agreement to permanently eliminate the disputed items from my credit report. 

Thank you for your prompt attention to this matter.