Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX [ Date ] TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Remove Information Past the Statute of Limitations and Compensation for Violations Dear TransUnion, I am writing to dispute information on my credit report that is past the 7-year statute of limitations for reporting negative information, as per the Fair Credit Reporting Act ( FCRA ) and relevant case law. 

1. **US Dept of Education Account XXXX XXXX : - The report includes negative entries older than 7 years, specifically before XX/XX/XXXX. According to the FCRA, negative information should not be reported for more than 7 years ( 15 U.S.C. 1681c ( a ) ( 4 ) ). The Supreme Court case of XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), emphasized the need for credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. These entries should be removed from my credit report. ( See attached highlighted report ). 

2. **US Dept of Education Account XXXX XXXX : - Similarly, this account includes negative entries older than 7 years, specifically before XX/XX/XXXX. These entries should also be removed from my credit report under the same provisions. ( See attached highlighted report ). 

# # # Legal Basis for Dispute **Fair Credit Reporting Act ( FCRA ) ** : - XXXX*15 U.S.C. 1681c ( a ) ( 4 ) ** : This section of the FCRA stipulates that negative information should not be reported for more than 7 years. 
- XXXX XXXXXXXX Trans Union XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) ** : This case underlines the obligation of credit reporting agencies to ensure the accuracy and currency of the information they report. 

**Truth in Lending Act ( TILA ) ** and **Regulation Z** : - **15 U.S.C. 1601 et seq. ** : The TILA promotes the informed use of consumer credit by requiring disclosures about its terms and cost. 
- **Regulation Z** : This regulation implements the TILA and includes provisions about disclosures that must be made regarding terms and conditions of credit. 

XXXX*Fair Debt Collection Practices Act ( FDCPA ) ** : - **15 U.S.C. 1692 et seq. ** : This act aims to eliminate abusive debt collection practices and ensure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged. 

**Contract Law** : - Under common contract law principles, once a debt is deemed time-barred by the statute of limitations, it can not be legally enforced in court, as established in cases like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

XXXX XXXX XXXX Request for Compensation Given the above statutes and case law, I request the removal of the outdated entries from my credit report. Additionally, due to the emotional distress, potential financial harm, and time spent addressing these inaccuracies, I seek compensation for the following : 1. **Statutory Damages** : Under the FCRA, I request statutory damages of {$1000.00} for each willful violation of the Act.

2. **Emotional Distress and Time Spent** : I seek compensation of {$5000.00} for the emotional distress and time spent resolving these inaccuracies. 
3. **Punitive Damages** : If applicable, I request punitive damages as determined appropriate for the violations of my rights under the FCRA and FDCPA.

Therefore, I am seeking a total compensation amount of {$12000.00}.

Please remove these outdated entries from my credit report and address my request for compensation. I have enclosed a copy of the relevant portions of my credit report with the outdated entries highlighted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX