Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Charge-Off Information in Compliance with Metro 2 Standards Dear TransUnion Dispute Resolution Team, I am writing to formally dispute inaccurate information contained in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. The item in question is a charge-off account which I believe is inaccurately reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nature of Dispute I contend that the reporting of the charge-off account is inaccurate and does not comply with the Metro 2 guidelines, specifically concerning the accurate representation of account status, date of first delinquency, and any subsequent updates. The current status of this account on my credit report is causing significant harm to my creditworthiness and is inaccurate for the following reasons : 1. **Inaccurate Reporting Date : ** The date of first delinquency and the date the charge-off was reported are inconsistent with my records.

2. **Compliance with Metro 2 Standards : ** The information does not align with the standardized format required by Metro 2 guidelines for reporting accurate and complete data. 
XXXX. **Legal Precedents : ** There have been notable cases where inaccurate reporting of charge-offs led to successful lawsuits against credit reporting agencies. For instance : - *XXXX XXXX TransUnion LLC XXXX XXXX ) : ** The court ruled in favor of the plaintiff, establishing that TransUnion had reported inaccurate information which did not comply with the FCRA standards. 
XXXX XXXX XXXXXXXX TransUnion LLC XXXX XXXX ) : ** The court decided against TransUnion for failing to maintain accurate records, leading to harm to the consumer 's creditworthiness. 

XXXX XXXX XXXX Requested Action I request that TransUnion : 1. **Conduct a thorough investigation : ** Verify the accuracy of the charge-off account information in question. 
XXXX. **Correct any inaccuracies : ** Update or remove the charge-off entry if found to be inaccurately reported. 
XXXX. **Provide written confirmation : ** Send me a copy of my updated credit report with the corrected information. 

# # # Supporting Documentation Enclosed are copies of documents supporting my dispute. This includes copies of my credit report highlighting the disputed charge-off, relevant account statements, and any correspondence with the creditor. These documents provide evidence of the inaccuracies and substantiate my claim. 

# # # Conclusion Under the Fair Credit Reporting Act, you are required to investigate my dispute and correct any inaccuracies within 30 days of receiving this letter. Failure to comply with these requirements may lead to further legal action to protect my rights.

Thank you for your prompt attention to this matter. I look forward to your resolution of my dispute and receiving a corrected copy of my credit report. 

Sincerely, XXXX XXXX