Consumer complaint received 2024-11-20
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX, CA XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Reporting To Whom It May Concern, I am writing to formally dispute several inaccuracies on my TransUnion credit report dated XX/XX/XXXX. Despite multiple communications requesting corrections or removals, these errors persist, causing significant harm to my credit profile. Below, I have outlined the disputed accounts, along with their associated inaccuracies, the history of my disputes, and references to the supporting documents provided to TransUnion. 
________________________________________ XXXX. XXXX XXXX XXXX XXXX Account # XXXX - Charged-Off for {$36000.00} Discrepancy : This account is inaccurately reported with a charge-off balance of {$36000.00}. Previous disputes raised concerns about the accuracy of the reported balance, payment history, and account status. 
o XX/XX/XXXX : Disputed the charge-off status and requested verification of the account details under FCRA guidelines XXXX 
Document : XXXX XXXX - TransUnion XXXX XXXX XXXX XXXX - XXXX o XX/XX/XXXX : Requested the method of verification and pointed out TransUnions failure to validate the reported amount. 
Document : XXXX XXXX - TransUnion Method of Verification - XXXX o XX/XX/XXXX : Reiterated the demand for corrections, emphasizing inconsistencies in the balance and reporting history. 
Document : XXXX XXXX - Demand - XXXX o XX/XX/XXXX : Highlighted TransUnions lack of adequate response and reiterated the demand for correction or removal. 
Document : XXXX XXXX - TransUnion Stall - XXXX ________________________________________ XXXX. XXXX XXXX XXXX XXXX Account # XXXX - Charged-Off for {$7900.00} Discrepancy : The account is inaccurately reported as a charge-off with a balance of {$7900.00}. Multiple disputes have noted the lack of proper verification and inconsistencies in the accounts reported status. 
o XX/XX/XXXX : Raised concerns about inaccuracies in the charge-off balance and requested verification. 
Document : XXXX XXXX - TransUnion XXXX XXXX XXXX  XXXX - XXXX o XX/XX/XXXX : Requested the method of verification and removal if TransUnion could not substantiate the reported information. 
Document : XXXX XXXX - TransUnion Method of Verification - XXXX o XX/XX/XXXX : Emphasized the unresolved discrepancies and requested immediate correction. 
Document : XXXX XXXX - Demand - XXXX o XX/XX/XXXX : Pointed out TransUnions continued lack of resolution and reiterated the request for proper documentation or removal. 
Document : XXXX XXXX - TransUnion Stall - XXXX ________________________________________ XXXX. XXXX XXXX XXXX Account # XXXX - Charged-Off for {$4500.00} Discrepancy : This account is reported with an inaccurate charge-off status and balance of {$4500.00}. Previous disputes addressed issues with inconsistent payment histories and balances. 
o XX/XX/XXXX : Disputed the charge-off status and requested verification of the reported balance. 
Document : XXXX XXXX - TransUnion Method of Verification - XXXX o XX/XX/XXXX : Followed up on the unresolved discrepancies, requesting proper documentation or removal. 
Document : XXXX XXXX - Demand - XXXX o XX/XX/XXXX : Highlighted TransUnions failure to verify or correct the inaccuracies and demanded immediate resolution. 
Document : XXXX XXXX - TransUnion Stall - XXXX ________________________________________ XXXX. XXXX Account Previously Disputed and Deleted Discrepancy : The XXXX account was previously disputed and removed by TransUnion. This demonstrates a precedent for correcting inaccuracies. 
o XX/XX/XXXX : Submitted a formal dispute regarding the XXXX  account, citing its inaccuracies. TransUnion acknowledged the error and removed the item, raising concerns about the consistency of handling similar disputes for other accounts. 
Document : XXXX XXXX - TransUnion - XXXX XXXX XXXX - Boosted - XXXX ________________________________________ Summary of Requests The unresolved discrepancies in the accounts listed above represent violations of the Fair Credit Reporting Act ( FCRA ), as TransUnion has failed to validate or correct these items despite repeated disputes. I demand the immediate correction or removal of the following : XXXX. The XXXX XXXX XXXX XXXX accounts for {$36000.00} ( Account # XXXX ) and {$7900.00} ( Account # XXXX ). 
XXXX. The XXXX XXXX Services account for {$4500.00} ( Account # XXXX ). 
If these accounts can not be substantiated with valid documentation, I request their immediate removal from my credit report. Should TransUnion fail to address these inaccuracies promptly, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider all legal options to protect my rights. 
Thank you for your attention to this matter. I look forward to receiving a detailed response confirming the actions TransUnion will take to resolve these issues. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX, CA XXXX XXXX