Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inconsistent Data under Maximum Possible Accuracy Standards of the FCRA and XXXX XXXX Reporting Guidelines Dear Credit Reporting Agency This letter was written via my Attorney and me.

I am writing to dispute inaccurate information contained in my credit report. As per the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX Reporting Guidelines, credit reporting agencies are required to ensure the maximum possible accuracy of the information concerning individuals. I have identified inconsistent data in my credit report that fails to meet these standards and must be removed. 
The FCRA mandates that more than technical or literal accuracy is required ; it requires maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 U.S.C. 1681e ( b ) ). The Third Circuit has clarified that the distinction between accuracy and maximum possible accuracy is not nearly as subtle as may at first appear, it is in fact quite dramatic ( XXXX XXXX Trans Union XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ). Furthermore, the XXXX XXXX observed that [ t ] he words maximum and possible mean greatest in quantity or highest in degree attainable and falling or lying within the powers of an agent or activity ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ). 
Thus, a consumer report is deemed inaccurate not only for blatant errors but also if it is potentially misleading. As the XXXX XXXX stated, a technical truth... can be as misleading as an outright untruth where it paints a misleading picture ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXXXXXX ) ). The majority of federal Courts of Appeal that have considered this issue have adopted this maximum possible accuracy approach, concluding that a credit item can be incomplete or inaccurate under the FCRA either because it is patently incorrect or because it is misleading in such a way and to such an extent that it can be expected to adversely affect credit decisions ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ). 
In addition to the FCRA, the XXXX XXXX Reporting Guidelines, developed by the Consumer Data Industry Association ( CDIA ), provide a standardized format for the accurate and complete reporting of credit information. These guidelines are crucial in ensuring consistency and precision in credit reporting. Inconsistent or incorrect application of these standards can lead to inaccurate or misleading credit reports. The XXXX XXXX guidelines are designed to promote uniformity and accuracy, and deviations from these guidelines can result in data that fails to meet the required standard of maximum possible accuracy. 
Numerous district and state courts have held that a consumer report can be inaccurate, even if the report is technically true in some narrow sense, but is overly general, incomplete, out of date, or misleading. The question of whether information is materially misleading is XXXX for the finder of fact. For courts following this standard, a plaintiff need not prove that any recipient was actually misled by the information, so long as it is misleading enough to be objectively likely to cause the intended user to take adverse action ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
In light of these standards, I request that you Block/Remove the following items, which I believe are inconsistent and fail to meet the XXXXCRAs maximum possible accuracy requirement as well as the XXXX XXXX XXXX Guidelines : XXXX  XXXX XXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The TransUnion shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The TransUnion shows : NOT REPORTING AS REQUIRED by the FCRA b ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA c ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The TransUnion shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The TransUnion shows : No Data Reported b ) The XXXX shows : No Data Reported c ) The XXXX shows : No Data Reported XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The TransUnion shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported XXXX XXXX XXXX XXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The TransUnion shows : No Data Reported b ) The XXXX shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The TransUnion shows : NOT REPORTING AS REQUIRED by the FCRA b ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA c ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The TransUnion shows : No Data Reported b ) The XXXX shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The TransUnion shows : No Data Reported b ) The XXXX shows : No Data Reported c ) The XXXX shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The TransUnion shows : No Data Reported b ) The XXXX shows : XX/XX/XXXXXXXX XXXX  ) The XXXX shows : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The TransUnion shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The TransUnion shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA XXXX ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The TransUnion shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The TransUnion shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The TransUnion shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX Please provide a complete and detailed response, including any documentation that verifies the accuracy of the information or a confirmation of the removal of the inaccurate data. I expect these inaccuracies to be rectified promptly to prevent any further adverse impact on my creditworthiness. 
Thank you for your prompt attention to this matter. Please acknowledge receipt of this dispute letter within XXXX business days and complete your investigation within the XXXX timeframe as required by the FCRA. 

Respectfully submitted, 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