Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Request for Reinvestigation and Deletion of Collection Accounts XXXX XXXX Compliance Dear TransUnion, This letter serves as a follow-up to my previous correspondence dated XX/XX/XXXX, in which I invoked my rights under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ) for an investigation into specific entries in my credit report provided by XXXX. The entries in question are as follows : XXXX & XXXX Account Number XXXX XXXX Account Type : Charge Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Closed. {$1000.00} written off. {$0.00} balance as of XX/XX/XXXX. Highest Balance : {$1000.00} Status Updated : XX/XX/XXXX Last Payment Date : XX/XX/XXXX XXXX. XXXX Account Number : XXXX Account Type : Charge Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Closed. {$1700.00} written off. {$0.00} balance as of XX/XX/XXXX. Highest Balance : {$2300.00} Status Updated : XX/XX/XXXX Last Payment Date : XX/XX/XXXX XXXX. XXXX Account Number : XXXX Account Type : Charge Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Closed. {$650.00} written off. {$0.00} balance as of XX/XX/XXXX. Highest Balance : {$650.00} Status Updated : XX/XX/XXXX Last Payment Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Charge Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. Highest Balance : {$1200.00} Status Updated : XX/XX/XXXX Past Due Amount : {$1200.00} Balance : {$1200.00} ( as of XX/XX/XXXX ) Credit Limit : {$1100.00} Last Payment Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Type : Charge Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. Highest Balance : {$1800.00} Status Updated : XX/XX/XXXX Past Due Amount : {$1800.00} Balance : {$1800.00} ( as of XX/XX/XXXX ) Credit Limit : {$1600.00} Last Payment Date : XX/XX/XXXX XXXX. XXXX Account Number : XXXX Account Type : Charge Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$510.00} written off. {$510.00} past due as of XX/XX/XXXX. Highest Balance : {$510.00} Status Updated : XX/XX/XXXX Past Due Amount : {$510.00} Balance : {$510.00} ( as of XX/XX/XXXX ) Credit Limit : {$300.00} Last Payment Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$330.00} written off. {$590.00} past due as of XX/XX/XXXX. Highest Balance : {$590.00} Status Updated : XX/XX/XXXX Past Due Amount : {$590.00} Balance : {$590.00} ( as of XX/XX/XXXX ) Credit Limit : {$500.00} Last Payment Date : XX/XX/XXXX Discrepancies and Request for Deletion : 1. Payment History : Continuous collections and charge-offs reported across multiple years without appropriate updates to the status, suggesting inaccurate reporting. - FCRA Section 623 ( a ) ( 5 ) ( A ) and XXXX XXXX guidelines require that the date of first delinquency be accurately reported and that collections must not be continuously reported if the debt has not been re-validated. Failure to properly update the account status violates these regulations. - XXXX XXXX XXXX XXXX XXXX Account # XXXX ) and XXXX XXXX XXXX XXXX XXXX Account # XXXX ) : Both accounts show continuous charge-offs reported monthly from XXXX through XXXX. This repeated reporting without updating the status violates XXXX XXXX compliance, as the account was never re-validated, yet it continues to affect my credit report negatively. 2. Status Updated : Several accounts show inconsistencies in status updates versus balance updates, which indicate inaccurate reporting of account activity. - FCRA Section 607 ( b ) and XXXX XXXX guidelines mandate that information on credit reports must be accurate and up-to-date. Inconsistent reporting between the balance and status updates is a clear violation of these requirements. - XXXX ( Account # XXXX ) : The status was updated in XX/XX/XXXX, but the balance was updated as recently as XX/XX/XXXX. This discrepancy indicates that the account information is not being accurately maintained, violating the requirement to keep credit report data consistent and reliable. XXXX. Date of Last Activity : Discrepancies between last activity dates and continuous reporting of collection activity, indicating potential manipulation of the statute of limitations. - FCRA Section 623 ( a ) ( XXXX ) ( A ) and XXXX XXXX guidelines also require accurate reporting of the date of last activity, as this determines the correct statute of limitations on a debt. Continuous reporting can falsely reset the clock on the statute of limitations, which is illegal. - XXXX XXXX XXXX XXXX  Account # XXXX ) : The date of last activity is listed as XX/XX/XXXX, but the account continued to report charge-offs until XX/XX/XXXX. This extended reporting may improperly affect the statute of limitations, potentially keeping a debt on my report longer than legally allowed. XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX  Account # XXXX ) : - Discrepancy : Date of Last Activity vs. Continuous Reporting. - Violation : Continuous charge-offs after the listed date of last activity, which may improperly affect the statute of limitations ( FCRA Section 623 ( a ) ( 5 ) ( A ) ). 2. XXXX ( Account # XXXX ) : - Discrepancy : Status Updated vs. Balance Updated. - Violation : Status was updated in XX/XX/XXXX, while the balance was updated inconsistently, suggesting that the account information is not maintained accurately ( FCRA Section 607 ( b XXXX XXXX XXXX XXXX ( Account # XXXX ) : - Discrepancy : Status Updated vs. Balance Updated. - Violation : Inconsistencies between status updates and balance updates, violating the requirement for accurate reporting ( FCRA Section 607 ( b ) ). 4XXXX XXXX XXXX XXXX XXXX  ( Account # XXXX ) : - Discrepancy : Continuous Reporting without Status Updates. - Violation : Continuous charge-offs reported without re-validation of the debt, violating XXXX XXXX guidelines. 5. XXXX XXXX XXXX XXXX  ( Account # XXXX ) : - Discrepancy : Continuous Reporting without Status Updates. - Violation : Continuous charge-offs reported from XXXX through XXXX, without appropriate status updates, violating XXXX XXXX guidelines. XXXXXXXX XXXX  ( Account # XXXX ) : - Discrepancy : Status Updated vs. Balance Updated. - Violation : Status was last updated in XX/XX/XXXX, but the balance was updated as recently as XX/XX/XXXX, which violates FCRA Section 607 ( b ). XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX ) : - Discrepancy : Date of Last Activity vs. Continuous Reporting. - Violation : Potential improper resetting of the statute of limitations due to continuous charge-offs beyond the last activity date, in violation of FCRA Section 623 ( a ) ( 5 ) ( A ). Conclusion : Given these discrepancies and violations, I formally request the immediate deletion of these accounts from my credit report as they fail to meet the accuracy and compliance standards mandated by the FCRA and XXXX XXXX guidelines. Failure to address these discrepancies will result in further action, including considering legal action for continued violations of the FCRA. Please understand that the impact of these inaccuracies extends beyond creditworthiness ; they are directly affecting my family 's ability to secure a safe place to live. I anticipate your response within 2 days upon receiving this letter. Non-compliance within this period will be taken as an agreement to permanently eliminate the disputed items from my credit report. Thank you for your prompt attention to this matter.