Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
What Happened? 
I am submitting this complaint to request the deletion of a specific account from my credit report with [ TransUnion ] due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX XXXX Action Required : Remove the Inaccurate Account XXXX. Last Payment Date : TransUnion : XX/XX/year>, XXXX : XX/XX/year>, XXXX Discrepancy : XXXX shows a different last payment date compared to TransUnion and XXXX. 
XXXX. Date of Last Activity : TransUnion : XX/XX/year>, XXXX : XX/XX/year> XXXX : XX/XX/year> Discrepancy : TransUnion shows a different date compared to XXXX and XXXX. 
XXXX. Creditor Type : TransUnion : Finance Collection, XXXX : Sales Financing, XXXX : Auto Financing Discrepancy : Each bureau categorizes the creditor differently. 
XXXX. Date Reported : TransUnion : XX/XX/year>, XXXX : XX/XX/year>, XXXX : XX/XX/year> Discrepancy : XXXX shows a different reporting date compared to TransUnion and XXXX. 
XXXX Length : TransUnion : 60 Months, XXXX : 60 Months, XXXX : XXXX No data shown ] Discrepancy : XXXX does not report the term length, while TransUnion and XXXX specify XXXX as 60 months. 

Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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