Consumer complaint received 2024-07-04
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. (FL)

I demand removal of Finewise/Opploans and the continued allowance of these inaccuracies by the XXXX major consumer reporting agencies : TransUnion, XXXX, and XXXX. Despite making multiple payments, XXXX has failed to update my report accurately, presenting the amount as if no payments have been made. This letter outlines the specific violations of consumer protection laws and regulations that have occurred and demands immediate corrective action.

Violations of Inaccurate Reporting of Payments ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) XXXX has reported inaccurate information regarding my payments, violating the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies must not furnish information that they know or have reasonable cause to believe is inaccurate. Despite notifying XXXX multiple times, they have not corrected this error. 
Failure to Correct Inaccuracies ( 15 U.S.C. 1681i ( a ) ) I have disputed this inaccurate information with the consumer reporting agencies under 15 U.S.C. 1681i ( a ), which mandates that they must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The agencies have failed to correct these inaccuracies, allowing the false information to persist on my consumer report.

Reporting of Late Payments During 2020 ( CARES Act, Section 4021 ) During the COVID-19 pandemic, the CARES Act included provisions under Section 4021 that prohibited furnishers from reporting adverse information if a consumer was affected by the pandemic and had an agreement to make partial or no payments. Despite these protections, XXXX has inaccurately reported late payments and the evidence of a voice recording as previously asked pertaining to send payments and conversations.

Reporting of Charged-Off Accounts and Collection Accounts ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ) /Opploans continues to report my charged-off account on a monthly basis, which is misleading and detrimental to my creditworthiness. Under 15 U.S.C. 1681s-2 ( a ) ( 5 ), furnishers are required to update the status of accounts accurately and promptly. 

Discrimination and Unfair Treatment ( 15 U.S.C. 1691, Equal Credit Opportunity Act ) I believe that the mishandling of my account and the persistent inaccuracies could be a form of DISCRIMINATION, due to my financial hardship in 2020. Under 15 U.S.C. 1691, the Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, or age.

Failure to Provide Information and Documentation ( 15 U.S.C. 1681m ) Finewise/Opploans has not provided the necessary documentation and information despite my repeated requests. Under 15 U.S.C. 1681m, consumers have the right to request and receive information regarding the furnishing of their credit information. 

Impact of XXXX XXXX XXXX and Identity Theft Risk As a victim of the XXXX XXXX breach, anll of my information has been compromised, increasing the risk of identity theft and falsified information. This should have prompted a more diligent investigation by the credit reporting agencies and I Demand on the basis of the above violations and the detrimental impact on my creditworthiness, I demand the following actions : Immediate correction of the inaccurate information reported by XXXX to reflect the correct payment history. 
Removal of any late payment entries reported during XXXX in violation of the CARES Act Immediate cessation of the monthly reporting of charged-off accounts, late payments and accurate reporting of account statuses. 
A thorough investigation into the discriminatory practices and unfair treatment I have experienced. 
Provision of all requested documentation and information regarding the reporting of transactions/experiences. 
Assurance that all reinvestigations will be conducted thoroughly and not merely processed through automated systems. 
Failure to address these demands will leave me no choice but to pursue further legal action and report these violations to the appropriate regulatory authorities, including the Federal Trade Commission ( FTC )