Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern : I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. 
The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately. Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report.If you do not take action and comply with my request, I will have no choice but take legal action against you! 

XXXX XXXX XXXX XXXX TransUnion TransUnion Account # : XXXX Account Description : JointContractualLiability Account Rating : AsAgreed Account Status : Open Account Type : Installment Balance Owed : {$24000.00} Closed Date : -- Credit Limit : XXXX Creditor Remarks : -- Creditor Type : Banking Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX High Balance : {$37000.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$640.00} Payment Frequency : -- Payment Status : AsAgreed Term Length : -- Loan Type : Automobile I found no evidence of a late payment for account XXXX XXXX XXXX  XXXX in XXXX, XXXX. Please provide proof or update to " paid as agreed, never late. '' The XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) cases confirm the need for immediate action. 

XXXX XXXX XXXX TransUnion TransUnion Account # : XXXX Account Description : Individual Account Rating : AsAgreed Account Status : Open Account Type : Revolving Balance Owed : {$1400.00} Closed Date : -- Credit Limit : XXXX Creditor Remarks : -- Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : N High Balance : {$5100.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$29.00} Payment Frequency : -- Payment Status : As Agreed Term Length : -- Loan Type : Credit Card The inaccurate and outdated information you have provided is unacceptable and needs to be fixed immediately. If it is not fixed, legal action may be necessary. Your database and credit report should only contain accurate information. 
XXXX XXXX XXXX TransUnion TransUnion Account # : XXXX Account Description : Individual Account Rating : CollectionOrChargeOff Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Closed Date : -- Credit Limit : XXXX Creditor Remarks : PROFIT AND LOSS WRITEOFF Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : N High Balance : {$5000.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$0.00} Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : -- Loan Type : Unsecured The information provided above has not been certified to meet reporting standards. The data may not be accurate, complete, or up to date. I demand that any inaccurate, incomplete, or unsupported material be removed. 
XXXX XXXX XXXX TransUnion TransUnion Account # : XXXX Account Description : Individual Account Rating : Late30Days Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Closed Date : -- Credit Limit : XXXX Creditor Remarks : CLOSED Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : N High Balance : {$21000.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$0.00} Payment Frequency : -- Payment Status : Late30Days Term Length : -- Loan Type : Automobile I'm disappointed that you have failed to provide documented proof of compliance reporting standards and applicable consumer laws. 
This is a major deficiency! I demand this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards to compliance and consumer protection. It's very important that we have accurate information so that we can avoid potential problems in the future. Unfortunately, it seems that you have not taken this seriously, and I'm afraid that legal action may be necessary. 

XXXX TransUnion TransUnion Account XXXX : XXXX Account Description : Individual Account Rating : Late60Days Account Status : Transferred Account Type : Installment Balance Owed : {$0.00} Closed Date : -- Credit Limit : XXXX Creditor Remarks : PURCHASED BY ANOTHER LENDER Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : N High Balance : {$1600.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$0.00} Payment Frequency : -- Payment Status : Late60Days Term Length : -- Loan Type : -- The information above was never compliant with reporting standards, so we don't know what you're talking about. The information you provided is not up-to-date and does not meet the minimum standards for accuracy. I demand that this be fixed immediately, or else legal action will ensue! I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! 
In appreciation You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
XXXX XXXX Please send your written response to my address of XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX I am sending this complaint to the following agencies as well XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Also I am attaching a copy of this letter below and will keep it for communication reference should this matter not be looked into and resolved appropriately, I will present this letter in court as proof of communication