Consumer complaint received 2024-02-02
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. (FL)

I recently reviewed my credit profile and noticed inaccuracies and false accusation my credit profile. I am utterly saddened and XXXX. In this letter I am requesting permanent deletion of this account due to inaccurate reporting. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. 

account being reporting as charged off monthly The date of last active has XXXX different dates Date of last payment has XXXX different dates The date of last reported has XXXX different dates high credit limit has XXXX different amounts. 
Account is listed as open when a charged off account should be considered closed For clarity, the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623. I will assume that by the very nature of your business, I do not need to provide definitions of what is covered under each of these sections individually. 

Also, You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Also account thats being reported on my most recent credit report. Upon challenging this, edfed charge off account XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 


The Information as Shown Below Must Be Investigated Immediately. Failure to Provide Adequate Details, Method Of Verification, Accuracy Of All Dates, Amounts, and other pertinent information will result in the immediate filing of formal complaints with the CFPB and the FTC. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty for each item. 

As per the Fair Credit Reporting Act of 1970, I am requesting that you delete and remove this account permanently or I will be seeking legal action due to emotional and financial damages caused due to this account being reported. I am aware that the FCRA provides you ( 30 ) days to investigate these items. I do expect that you will also provide me with an updated copy of my credit report. Upon completion of your investigation, which will show any changes or the lack thereof. I expect these results to include all information requested, including your method of verification. If you are unable to comply within the confines of the FCRA, I will expect all items to be promptly deleted. 

I have read that you will often label a dispute as frivolous, with an accusation of the use of a credit repair company. Rest assured, I have entirely composed this letter myself, without the assistance of a credit repair company. Should I require assistance, it will be sought through an attorney, dependent on your response to this letter. I do not consent to the use of XXXX as a verification method.