Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a dispute regarding a debt collection communication violation, which I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ), enforced by the Consumer Financial Protection Bureau ( CFPB ). 
According to the FDCPA, specifically 15 U.S. Code 1692c, debt collectors are required to adhere to certain guidelines regarding communication with consumers. If a consumer notifies a debt collector in writing or electronically that they refuse to pay a debt or request that the debt collector cease further communication, the debt collector must comply. This includes ceasing all further communication and attempts to communicate with the consumer regarding that debt, except for specific circumstances outlined in the statute.

As outlined in the FDCPA, these exceptions include : Advising the consumer that the debt collector 's further efforts are being terminated.

Notifying the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 
It is important to note that under the FDCPA, cease-communication requests sent by the consumer in writing or electronically are considered complete upon receipt by the debt collector. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with the FDCPA regulations regarding communication. I have included relevant documentation and details regarding this dispute for your review. 
This is the information that I am disputing regarding Transunion. 
I am writing to file a complaint regarding inaccurate reporting by Transunion, one of the major credit reporting agencies, in violation of the Fair Credit Reporting Act ( FCRA ). I have included documentation detailing the inaccuracies found on my Transunion credit report dated XX/XX/XXXX. 
As per my rights under the FCRA, specifically outlined in 15 USC 1681, I am entitled to a fair and reasonable investigation of disputed items on my credit report. The inaccuracies listed below are adversely affecting my creditworthiness and have significant consequences on my financial opportunities : I am writing to dispute inaccurate information reported by Transunion, as detailed in my credit report dated XX/XX/XXXX. The following accounts contain inaccuracies that are negatively impacting my creditworthiness and financial opportunities, in violation of the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681. I request a fair and reasonable investigation of these disputed items : XXXX XXXX XXXX Revolving account : Account # XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}. 
XXXX XXXX account : Account # XXXX, opened on XX/XX/XXXX, with a balance of {$1100.00}. 
XXXX XXXX XXXXXXXX Revolving account : Account # XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}. 
XXXX XXXX Revolving account : Account # XXXX, opened on XX/XX/XXXX, with a balance of {$1600.00}. 
XXXX XXXX Revolving account : Account # XXXX, opened on XX/XX/XXXX, with a balance of {$740.00}. 
XXXX XXXX XXXX  XXXX account : Account XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$1600.00}. 
XXXX XXXX Installment account : Account # XXXX, opened on XX/XX/XXXX, with a balance of {$11000.00}. 
XXXX XXXX account : Account # XXXX, opened on XX/XX/XXXX, with a balance of {$13000.00}. 
XXXX XXXX account : Account # XXXX, opened on XX/XX/XXXX, with a balance of {$100.00}. 
These inaccuracies are causing significant harm by impairing my ability to secure favorable loan terms, employment opportunities, and housing arrangements. I urgently request that XXXX conducts a thorough investigation into these matters and promptly removes the inaccuracies from my credit report. Failure to comply with the FCRA 's requirements may result in legal action. 

Please reinvestigate these accounts and take necessary action to rectify the inaccuracies. Your prompt attention to this matter is greatly appreciated.