Consumer complaint received 2024-08-27
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to formally dispute the loan amount and the reporting of inaccurate information related to my account with XXXX XXXX XXXX XXXX XXXX. The issues at hand are as follows : Reporting of Inaccurate Information : It has come to my attention that XXXX XXXX  XXXX XXXX XXXX has reported incorrect information regarding this loan to the credit reporting agencies. The amount reported as borrowed does not match the actual amount provided by the XXXX XXXX. This constitutes a violation of your duty to provide accurate information under 15 U.S.C. 1681s-2 ( a ) .request immediate corrective action regarding inaccuracies in my loan account with XXXX  XXXX XXXX XXXX XXXX XXXX This request is made in accordance with the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681. Specifically, I request the following actions : Failure to Investigate Dispute : I have already disputed this incorrect information, but it appears that XXXX  XXXX XXXX XXXX XXXX has failed to properly investigate and correct the inaccuracies, as required by 15 U.S.C. 1681s-2 ( b ). 

Violation of My Rights Under the Fair Credit Reporting Act : The actions of XXXX  XXXX XXXX XXXX XXXX XXXX constitute willful or negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n ( for willful noncompliance ) or 15 U.S.C. 1681o ( for negligent noncompliance ). corrective action regarding inaccuracies in my loan account with XXXX  XXXX XXXX XXXX XXXX. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681. Specifically, I request the following actions : Correction of Credit Reporting : Pursuant to 15 U.S.C. 1681i Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ),, which provides for the right to dispute inaccurate information on credit reports, I request that XXXX  XXXX XXXX XXXX XXXX immediately notify all credit reporting agencies to which the incorrect loan amount and classification were reported. Please ensure that my credit report is corrected to reflect the accurate loan amount of {$13000.00}, accurately categorized as a personal loan. Any lien placed on the vehicle title due to this error should be removed promptly.

Release of Lien : In accordance with 15 U.S.C. 1681s-2 ( a ) ( 2 ), which requires furnishers to correct and update information as necessary to ensure the accuracy of reported information, I request the release of any lien that has been erroneously placed on the vehicle title in connection with this loan. The lien was placed in error as the loan is not an auto loan, and therefore, it should be removed without delay. 

Please provide written confirmation of these actions and the date on which the necessary corrections will be completed. Failure to address these issues in a timely manner will leave me with no choice but to escalate the matter through legal channels, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

.I further request that the XXXX XXXXXXXX immediately notify all credit reporting agencies to which the inaccurate information was reported and ensure that they correct my credit report to reflect the accurate loan amount. and stating it is a personal loan and remove the lien off the title. 

Please provide me with written confirmation that these corrections have been made. 

Notice of Potential Legal Action : Please be advised that if XXXX  XXXX XXXX XXXX XXXX fails to take the requested actions promptly, I may pursue legal action to enforce my rights under the Fair Credit Reporting Act. This may include filing a lawsuit for damages resulting from the inaccurate reporting and any legal fees incurred. 

Thank you for your prompt attention to this matter for the second attempt. I expect to receive confirmation of the actions taken within 15 days of the date of this letter.