Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The Federal Credit Report Act Under 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Under 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Transunion is reporting inaccurate information on my credit report. I have attached documentation showing my all XXXX of my credit bureaus report side by side and the inaccurate information you are porting on my credit file. The information on my attached documentation is highlighted in yellow. The information is as follows : Remove XXXX XXXX XXXX Account XXXX XXXX for inaccuracy because you are reporting the date last active as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. PLEASE REM0VE TRADELINE FROM MY CREDIT REPORT. Remove XXXX XXXX XXXX XXXX Account XXXX XXXX for inaccuracy because you are reporting the date last active as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Also, you are reporting Account Type-Detail as Installment Account while XXXX is XXXX it as a Secured Loan. PLEASE REM0VE TRADELINE FROM MY CREDIT REPORT. XXXX XXXX XXXX  Account XXXX XXXX for inaccuracy because you are reporting the date last active as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. You are also reporting a XXXX  day late in XX/XX/XXXX when XXXX is showing that I never had a late payment. PLEASE REM0VE TRADELINE FROM MY CREDIT REPORT. Remove XXXX XXXX Account XXXX XXXX for inaccuracy because you are reporting the date last active as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. PLEASE REM0VE TRADELINE FROM MY CREDIT REPORT. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the accuracy, privacy, and fairness of credit information. Violations of the FCRA can lead to civil penalties, including monetary damages, for those found to be in non-compliance. if a consumer can prove that a credit bureau 's violation of the FCRA was " willful '' ( reckless or knowing ), they may be eligible to recover damages. These damages can include Actual damages, Statutory damages : Between {$100.00} and {$1000.00} for each violation, Punitive damages : Based on the harm caused by the violation and what would be needed to deter similar violations in the future. I am a litigious consumer and one of the FCRA violations I can file a lawsuit is your Failure to correct or delete inaccurate information within XXXX days of a dispute. THERE IS NO WAY THAT ALL OF YOU CAN BE RIGHT IF THE INFORMATION IS COMING FROM THE SAME DATA FURNISHER.