Consumer complaint received 2024-10-25 00:00:00
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.
State: TX

Complaint narrative:
XXXX XXXX XXXX Address : XXXX OLD XXXX XXXX, XXXX TEXAS XXXX XXXX Email : XXXX Date : XX/XX/XXXX TransUnion Dispute XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Formal XXXX of Inaccuracies on Credit Report XXXX Account Dear TransUnion XXXX XXXX XXXX XXXX XXXX writing to dispute the inaccurate information reported on my TransUnion credit report regarding my XXXX ( XXXX XXXX XXXX XXXX account XXXX The account details are as follows : - **Creditor Name : ** XXXX XXXX XXXX XXXX XXXX ) - **Account Number : ** [ Insert account number ] - **Current Balance Reported : ** {$7100.00} - **Date Last Reported : ** XX/XX/XXXX Dispute Reason : Inaccurate balance, payment history, and account status I request that the following information be corrected or removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws : XXXX. XXXX XXXX : The report reflects a balance of ** $ XXXX, which I believe is incorrect. Please verify and adjust this balance based on my actual payments. 

XXXX. Payment History : The report inaccurately shows my last payment as XXXX XXXX, XXXX and states that I have only made XXXX % of payments on time**. I have made payments beyond this date, and I request that the payment history be updated to reflect my actual payment activity. Furthermore, the report lists the account as a **charge-off** with a remark of **Profit and Loss write-off**, which I dispute. 

XXXX. Late Payment Status : The report lists XXXX days late**, XXXX instances of 30 days late**, and XXXX instances of 90 days late**. I dispute these as inaccurate based on my records, and request that they be removed or corrected. 

XXXX. Account XXXX : The account is marked as Derogatory and Charged-off, which I believe is incorrect. Please correct this status or delete the account entirely from my report if it can not be verified.

Legal References : - Under 15 U.S. Code 1681c-2, a consumer reporting agency is required to block any information identified as resulting from identity theft within **4 business days** of receiving a dispute. I am requesting that you block this information accordingly.

- Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), this account is in violation for not being reported with 100 % accuracy, as mandated by the FCRA.

- In accordance with 15 U.S. Code 1681, this account has violated my rights to privacy and confidentiality, as outlined in Section 602 ( A ), which states I have a right to privacy, and Section 604 ( A ) ( 2 ), which prohibits a consumer reporting agency from furnishing accounts without my written instructions.

Request for Documentation : I am requesting the original copy of the agreement and terms & conditions** for this account. Failure to provide this documentation will forfeit your claims, and I will request that this account be deleted from my report. You are required to block the reporting of this account within 4 days of receiving this notice.

Resolution : I am requesting that you delete this account from my credit report. Failure to comply may result in a claim for {$1000.00} per account under the FCRA.

Please respond promptly and confirm that the information has been corrected or deleted from my report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief