Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Collections Account NATIONAL CREDIT SYSTEMS TO WHOM IT MAY CONCERN, I am writing to formally dispute the accuracy of information on my credit report maintained by your agency. According to the Privacy Act of 1974, 5 U.S. Code 552a, a " record '' is defined as any item, collection, or grouping of information about an individual that contains identifying particulars assigned to the individual, such as a consumer report, which must be accurate and fair. 

I have identified an entry in my credit report that pertains to a collections account which I believe is inaccurate and not in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the principle of " Volenti non fit injuria '' in tort law. Volenti non fit injuria is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. The details of the disputed account are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date OPENED : XX/XX/XXXX Amount : {$12000.00} Please verify if this belongs to me. - Please investigate and verify that this is mine? 

I express my deep disappointment regarding your failure to provide documented evidence of compliance with reporting standards and relevant consumer laws. This deficiency is of utmost significance. I kindly request that you promptly remove this flawed and inaccurate report, as failure to do so will leave us with no choice but to initiate legal proceedings against your company for its non-compliance with specific legal requirements in these matters. It is imperative that we are aware of the nature of the information presented in documentaries to avoid being unprepared when confronted with adverse situations that could have been prevented had there been proper attention paid to accuracy instead of mere convenience. 

I request that your agency investigate this matter in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Please provide verification of this debt as required by FDCPA. Additionally, I expect your agency to provide documentation demonstrating that the reported item is accurate and valid. Please note that according to 5 U.S. Code 552a, the conditions of disclosure mandate that no agency shall disclose any record contained in a system of records without the prior consent of the individual to whom the record pertains, unless under specific exceptions. 

Enclosed are copies of relevant documents supporting my dispute, including my identification. Please conduct a thorough investigation into this matter and provide me with a written response detailing the findings of your investigation within the timeframe mandated by law. 

Furthermore, please be advised that any failure to investigate and correct this inaccurate information may lead to legal action under the provisions of the FCRA and other applicable laws. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX ; XXXX UCC 1-308 ALL RIGHTS RESERVED