Consumer complaint received 2025-01-21 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: MI

Complaint narrative:
Re : Formal Demand for Immediate and Permanent Deletion of Inaccurate Information Account : XXXX XXXX XXXXXXXX ( Account Number : [ Provide Account Number ] ) Dear Sir/Madam, I am writing to demand the immediate and permanent deletion of inaccurate, unverifiable, and misleading information related to the XXXX XXXX XXXXXXXX account listed on my credit report. Despite the removal of this account from both XXXX and XXXX, TransUnion continues to incorrectly report this information. This letter serves as a formal request for a manual review of my credit report, as it continues to contain significant errors that are in violation of federal law, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Metro 2 reporting guidelines. 

As part of my dispute process, XXXX and XXXX have already removed the XXXX XXXX XXXXXXXX account from their records, acknowledging that the information reported was inaccurate. TransUnions failure to follow suit not only breaches the requirements of the FCRA, but it also continues to harm my creditworthiness. In light of the discrepancies and violations outlined below, I am requesting that you take immediate action to resolve this issue. 

Inaccurate Information Requiring Immediate Deletion : Conflicting Dates of Account Activity : The XXXX XXXX XXXXXXXX account listed on my credit report contains irreconcilable and conflicting dates for key account activities, including : Date of Last Payment Date of First Delinquency Account Closure Date These conflicting dates violate 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies " follow reasonable procedures to assure maximum possible accuracy '' when reporting consumer information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) reinforced this requirement, holding that the failure to maintain accuracy in reporting foreclosure dates by XXXX XXXX XXXXXXXX violated the FCRA, causing harm to the consumers creditworthiness. Similarly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) determined that conflicting date reporting led to substantial harm and was a direct violation of the FCRAs accuracy requirements. 

Penalty for Violation : Under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), willful non-compliance with the accuracy provisions of the FCRA can result in statutory damages of {$1000.00} per violation. 

Reporting of Late Payments on Closed Accounts : TransUnion continues to report late payments on my account even though it was closed. This practice is not only misleading but directly violates 15 U.S.C. 1681s-2 ( b ), which requires that furnishers of information, like XXXX XXXX XXXXXXXX , investigate and correct inaccurate data upon notice. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) found that failure to correct inaccurate payment histories on a closed account was a violation of the FCRA. Similarly, in XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court held that falsely reporting late payments on closed accounts constitutes willful non-compliance. 

Penalty for Violation : The penalty for such violations can amount to {$1000.00} per violation, bringing the total penalty for reporting late payments on a closed account to {$24000.00}, assuming 24 months of incorrect reporting. 

Inflated Balances from Unauthorized Fees : The balance on this XXXX XXXX XXXXXXXX account was inflated due to unauthorized fees imposed after the account was closed. This constitutes a violation of 15 U.S.C. 1666d, which prohibits the imposition of unauthorized fees after an account has been closed. In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court ruled that reporting inflated balances due to unauthorized charges was a willful violation of the FCRA, resulting in material harm to the consumers credit report. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) found that inflated balances mislead creditors and violate the FCRA 's accuracy standards. 

Penalty for Violation : Similar to the other violations, this constitutes a penalty of {$1000.00} per violation, leading to a potential total of {$3000.00} for the inflated balances reported across three credit bureaus. 

Inconsistent and Misleading Account Numbers : XXXX XXXX XXXX reported different account numbers across various credit reporting agencies, which obstructs my ability to dispute the errors effectively. This practice violates 15 U.S.C. 1681e ( b ), which mandates the use of consistent and accurate account information to ensure the fair reporting of credit data. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) case held that the use of inconsistent account numbers violated the FCRA, and consumers were entitled to damages as a result of these discrepancies. 

Penalty for Violation : Each violation carries a potential penalty of {$1000.00}, bringing the total penalty for misleading account numbers across three bureaus to {$3000.00}. 

Total Financial Penalties for All Violations : Conflicting Dates : {$3000.00} False Late Payments : {$24000.00} Inflated Balances : {$3000.00} Misleading Account Numbers : {$3000.00} Total Liability : {$33000.00}, excluding punitive damages, emotional distress compensation, and attorney fees. 

Regulatory Authorities Notified : Failure to delete these disputed accounts within 30 days will result in formal complaints filed with the following regulatory authorities : XXXX XXXX XXXX, Acting Comptroller of the Currency, who oversees federal banking regulations. A detailed request for an investigation into XXXX XXXX XXXX 's systemic violations of these regulations will be submitted to his office. 
XXXX XXXX, Michigan Attorney General, to file a formal complaint enforcing state consumer protection laws. 
XXXX XXXX XXXX, Chair of the Federal Trade Commission ( FTC ), to request an investigation into XXXX XXXX XXXXXXXX 's deceptive practices and violations of federal statutes. 
Final Demand : I demand that TransUnion perform a manual review of this account and take immediate steps to remove all inaccurate and misleading information. Please confirm the deletion of these accounts from my credit report within 30 days, as required by the FCRA. If no action is taken, I will proceed with filing formal complaints and escalating this matter to the authorities listed above. Legal action may also be pursued to seek financial penalties, emotional distress compensation, and attorney fees.

Please consider this my formal demand for a complete and accurate update to my credit report. I expect to receive a written confirmation within 30 days as stipulated by the law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX 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