Consumer complaint received 2024-08-06
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. (IL)

Subject : Immediate Removal of Inaccurate Information from Credit Report Dear XXXX Credit Bureau Name ], I am writing to formally dispute the inaccurate and inconsistent information that appears on my credit report. These inaccuracies constitute multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), as well as the Fair Debt Collection Practices Act ( FDCPA ). I am requesting the immediate removal of these items. 

Summary of Discrepancies : Total Accounts : TransUnion : XXXX accounts XXXX : XXXX accounts XXXX : XXXX accounts Open Accounts : TransUnion : XXXX accounts XXXX : XXXX accounts XXXX : XXXX accounts Closed Accounts : TransUnion : XXXX accounts XXXX : XXXX accounts XXXX : XXXX accounts Collection Accounts : TransUnion : XXXX account XXXX : None XXXX : XXXX account Delinquent Accounts : TransUnion : XXXX account XXXX : None XXXX : XXXX account Derogatory Accounts : TransUnion : XXXX accounts XXXX : XXXX accounts XXXX : XXXX accounts Total Balance : TransUnion : {$10000.00} XXXX : {$9900.00} XXXX : {$10000.00} Total Inquiries : TransUnion : XXXX inquiries XXXX : XXXX inquiries XXXX : XXXX inquiries Account-Specific Discrepancies : XXXX XXXX Account # XXXX Account Status : TransUnion : XXXX XXXX : Closed XXXX : Open Date Last Active : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX Account # XXXX Account Status : TransUnion : Closed XXXX : Closed XXXX : Open Date Last Active XXXX TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX Account # XXXX Date Last Active : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX Account # XXXX Date Last Active : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX Account # XXXX Account Type : TransUnion : Open XXXX : Installment Date Last Active : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX Account # XXXX Account Status : TransUnion : Closed XXXX : Closed XXXX : Not Reported Date Last Active : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : Not Reported Violations of Consumer Laws XXXX Fair Credit Reporting Act ( FCRA ) : Section 611 ( 15 U.S.C. 1681i ) : Failure to investigate disputed information.

Section 609 ( 15 U.S.C. 1681g ) : Failure to provide accurate and complete information.

Section 623 ( 15 U.S.C. 1681s-2 ) : Responsibilities of furnishers of information to consumer reporting agencies.

Fair Debt Collection Practices Act ( FDCPA ) : Section 807 ( 15 U.S.C. 1692e ) : False or misleading representations.

Section 809 ( 15 U.S.C. 1692g ) : Validation of debts. 
Relevant Court Cases : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) : The court held that credit bureaus have a duty to reinvestigate disputed items and to delete inaccurate or unverified information. 
Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008  ) : The court ruled that inaccurate information must be corrected or removed from credit reports under the FCRA. 
Richardson v. Fleet Bank of Massachusetts, 190 F. Supp. 2d 81 ( D. Mass. 2001 ) : The court found that a credit bureau 's failure to properly investigate disputed information can result in liability under the FCRA. 
Enclosures : I have enclosed copies of my credit reports from TransUnion, XXXX, and XXXX, highlighting the discrepancies mentioned above. Please review these documents as part of your investigation. 

Request for Immediate Action : Pursuant to the FCRA and FDCPA, I am requesting the immediate removal of the inaccurate information from my credit report. The presence of these discrepancies is unjust and adversely affects my creditworthiness. Please ensure that these errors are corrected and that a corrected credit report is sent to me at the address listed above. 

Additionally, please provide a detailed description of the steps you have taken to investigate and resolve these inaccuracies. Inform me in writing of the results of your investigation within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. I expect immediate resolution to rectify these violations of my consumer rights.