Consumer complaint received 2024-05-15
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. (FL)

To : TransUnion Legal Department I recently reviewed my credit report from your company. Upon examination, I discovered that some items contain invalid, incomplete, inaccurate, and incorrect information. 

This misinformation is harming me by affecting the interest rates available to me and limiting my credit capacity. 

I am concerned that you have not maintained reasonable procedures to ensure the maximum possible validity, completeness, accuracy, and correctness in the credit reports you provide to creditors. 

This letter serves as a formal complaint regarding the invalid, incomplete, inaccurate, and incorrect account information you are reporting. 

I understand that there are federal laws in place to ensure that credit reporting bureaus like yours report only 100 % valid, complete, accurate, and correct information on my credit report to potential creditors. 

Therefore, pursuant to 15 U.S.C section 1681 ( e ) of the Fair Credit Reporting Act, I am requesting that you verify the following items upon receipt of this notification : Account Name : XXXX  XXXX Type : Revolving Account : [ XXXX ] You have the following information listed as inaccurate for this account : Account # XXXX INACCURATE Account Type : Revolving INACCURATE Account Type - Detail : Credit Card INACCURATE Bureau Code : Individual INACCURATE Account Status : Paid INACCURATE Monthy Payment : {$0.00} INACCURATE Date Opened : XX/XX/XXXX INACCURATE Balance : {$0.00} INACCURATE No. of Month ( terms ) : XXXX INACCURATE High Credit : {$3900.00} INACCURATE Credit Limit : {$3500.00} INACCURATE Past Due : {$0.00} INACCURATE Payment Status : Collection/Chargeoff INACCURATE Last Reported : XX/XX/XXXX INACCURATE Comments : Payment after charge off/collection Dispute resolved; reported by grantor INACCURATE Date Last Active : XX/XX/XXXX INACCURATE Date of Last Payment XX/XX/XXXX INACCURATE These items listed for the account are inaccurate and I know you can not verify them. This is your last chance to show me verification for the accounts before I take legal action. 

I attempted to verify this debt and received no response from the above company ( see attached proof of this verification ). According to federal law, this creditor had 30 days from the date of my request to validate the debt, and they failed to provide any information concerning this debt. This debt is not mine and needs to be removed immediately from my credit report. You need to verify at a higher standard than a computer-generated inquiry or third-party database search, obtaining either verbal or handwritten confirmation directly from a person at that source. 

Please also notify the subscribers who reported these items within 5 days after receiving these disputes, and verify with that person my full name, address, date of birth, social security number, account number, status, date of last activity, balance, high balance, and amount as applicable. 

If these disputed items are found to be invalid, incomplete, inaccurate, or incorrect, then the entire items must be deleted from my credit report within 30 days. If the validity, completeness, accuracy, and correctness can not be verified, you are obligated by law not to change or update the information but to delete the item permanently from my credit report. 

Please be aware that if your response to my request contains any remark such as changed, updated, or new information rather than deleted, you are in violation of federal law. I will be forced to take further action against you as the federal law clearly states that the item must be deleted. 

Upon completion of your investigation, pursuant to 15 U.S.C. section 1681 ( i ) ( 7 ), you are required to provide me with a detailed description of the method of verification used and the name of the person at the source you contacted, the furnisher 's business name, address, phone number, and the date this verification took place, no later than 15 days after receiving my request for this description. 

If you can not provide a detailed description of the method of verification and the contact information of the furnisher, you are in violation of procedure and must delete the item. 

If you ignore this request or provide an insufficient or incomplete response, I will have no other choice but to contact my state congressional representative, who will forward this matter promptly to the State Attorney General and Federal Trade Commission for urgent attention. Please note that this letter of dispute is now time-stamped. 

In the event that you continue to list the disputed item on my credit report, I will find it necessary to file suit against your company for actual damages and punitive damages under the Fair Credit Reporting Act. Because the Fair Credit Reporting Act provides concurrent jurisdiction in federal and state courts, I shall elect to use my county and state of residency as the jurisdiction to bring appropriate action against your company. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the Fair Credit Reporting Act. 

I look forward to a prompt resolution of this matter. 

Thank you in advance, XXXX XXXX