Consumer complaint received 2024-09-14
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. (TX)

I am writing to formally request a reinvestigation of the dispute results associated with my credit report, File Number : XXXX, Date Issued : XX/XX/XXXX. Specifically, I am contesting the reporting of two accounts : XXXX XXXX Account ( Account # XXXX ) **, which was inaccurately updated with the statement : " We investigated the information you disputed and updated : Date Closed ; Historical Trended Data. 
XXXX XXXX  Account ( Account # XXXX ) **, which was inaccurately updated with the statement : " We investigated the information you disputed, and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated; Original Creditor ; Maximum Delinquency ; Rating ; Historical Trended Data. '' I have attached the updated credit file, highlighting the errors that were supposedly corrected. The report continues to inaccurately reflect the following : XXXX XXXX Account ( Account # XXXX ) ** In XX/XX/XXXX, the account is incorrectly reported as 120 days late. 
From XX/XX/XXXX through XX/XX/XXXX, the account is reported as 120 days late each month. It is misleading and factually impossible for an account to be listed as 120 days late for six consecutive months. 
XXXX XXXX  Account ( Account # XXXX ) ** In XX/XX/XXXX, the account incorrectly reports 120 days late for multiple months. 
These discrepancies not only present misleading information but also distort the collection date, further impacting the accuracy of my credit report. Despite these glaring errors, TransUnion has failed to correct them and continues to verify the accounts as accurate. 

I believe this represents a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of information. By failing to address these inaccuracies, TransUnion has neglected its duty, allowing harmful and misleading information to persist on my credit report. 

Action Requested : I formally request that both the XXXX XXXX Account ( Account # XXXX ) ** and XXXX XXXX  Account ( Account # XXXX ) ** be immediately deleted from my credit report. TransUnions failure to correct these inaccuracies violates my rights under the FCRA, and I expect immediate corrective action to be taken. 

Should this issue remain unresolved, I will be compelled to pursue my rights under 15 U.S.C. 1681n, which provides for civil liability in cases of willful noncompliance with the FCRA. The relevant provisions include : Willful Noncompliance : Liability for any party that willfully fails to comply with FCRA requirements. 
Damages : Recovery of actual or statutory damages ( ranging from {$100.00} to {$1000.00} ), punitive damages, and attorneys fees. 
In addition to this request, I am prepared to file complaints with the Attorney Generals office, the XXXX XXXX XXXX ( XXXX  ), and other relevant regulatory agencies. I believe this situation may highlight a broader systemic issue, particularly concerning the treatment of people of color and minorities in the credit reporting process.