Consumer complaint received 2024-12-07 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: FL

Complaint narrative:
am formally disputing any unsubstantiated or inaccurately documented information contained within my credit report, as stipulated by the FCRA and Metro 2 data field reporting standards. It is imperative to emphasize my inability to acknowledge allegations of delinquency and derogatory remarks without concrete supporting documentation, which is required by both federal and state laws for accurate and complete reporting.

Reporting claims that contravene legal standards is inappropriate, and I urge you to ensure the factual and correct reporting of all claims, in accordance with the Metro 2 reporting standard.

Furthermore, I kindly request the provision of tangible, verifiable evidence confirming the existence of the account and its permissible use, as mandated by the Metro 2 standard. Should such evidence be unavailable, I respectfully request the removal of said account from my credit report. Additionally, I grant authorization for the delivery of physical documentation detailing your actions and an updated copy of my credit report. 
Listed below are the Accounts that are being challenged DPT EDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX I am formally disputing the inaccurate reporting of late payments on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of all reported information and verify disputed items promptly and thoroughly.The specific account in question is : Account Name : [ Creditor Name ] Account Number : [ Account Number ] Reported Late Payment Date ( s ) : [ List dates ] Violations of Permissible Purpose and Accuracy StandardsLate payments reported on my credit file are inaccurate, incomplete, or unverifiable.

Your reporting of these late payments appears to violate 15 U.S. Code 1681e ( b ), which mandates that credit reporting agencies maintain reasonable procedures to ensure maximum accuracy of information.Furthermore, I question whether this account has been reported or accessed for a permissible purpose as required under 15 U.S. Code 1681b. If you are unable to demonstrate compliance with this section, the information must be immediately removed from my credit file. - Demand for Method of VerificationUnder 15 U.S. Code 1681i ( a ) ( 7 ), I demand that you provide me with a detailed explanation of the method of verification used to substantiate the accuracy of these late payments. Specifically, I require : 1. The name and contact information of the creditor or furnisher who verified the late payments. 2. Copies of any documentation that the creditor or furnisher provided as evidence. 3. A description of the process used to verify the accuracy of the disputed information.Legal Obligations and Consequences of Non-ComplianceIf you can not verify this information in full compliance with 15 U.S. Code 1681i ( a ) ( 5 ), the law mandates that the inaccurate information be deleted from my credit file immediately. Continuing to report unverifiable or inaccurate late payments constitutes a willful violation of the FCRA, exposing you to statutory damages, punitive damages, and legal costs.Required ActionsI demand that you : 1. Investigate this dispute promptly and remove all inaccurate or unverifiable late payment notations. 2. Provide me with written confirmation of the removal or correction of these items. XXXX. 
Provide a detailed explanation of the methods used to verify these disputed items.Notice of Intent to EscalateShould you fail to comply within the statutory 30-day timeframe outlined in 15 U.S. Code 1681i ( a ) ( 1 ), I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I reserve the right to seek legal action under the FCRA to protect my rights.Please treat this letter as a formal notice of dispute. I expect an acknowledgment of receipt within five business days and resolution within the timeline required by 1 of 7 law.

Kindly be advised that the provided details, denoted as DPT EDXXXX - XXXX, seem to exhibit apparent inconsistencies with the mandatory standards set for ethical and compliant assertion of this particular claim. In accordance with CDIA guidelines, any divergence from the established standard raises concerns regarding the credibility of the asserted data. Observable cues suggest the presence of plausible irregularities in adhering to the essential Metro 2 format Standard ( s ) for accurate reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX I am formally disputing the inaccurate reporting of late payments on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of all reported information and verify disputed items promptly and thoroughly.The specific account in question is : Account Name : [ Creditor Name ] Account Number : [ Account Number ] Reported Late Payment Date ( s ) : [ List dates ] Violations of Permissible Purpose and Accuracy StandardsLate payments reported on my credit file are inaccurate, incomplete, or unverifiable. 
Your reporting of these late payments appears to violate 15 U.S. Code 1681e ( b ), which mandates that credit reporting agencies maintain reasonable procedures to ensure maximum accuracy of information.Furthermore, I question whether this account has been reported or accessed for a permissible purpose as required under 15 U.S. Code 1681b. If you are unable to demonstrate compliance with this section, the information must be immediately removed from my credit file. - Demand for Method of VerificationUnder 15 U.S. Code 1681i ( a ) ( 7 ), I demand that you provide me with a detailed explanation of the method of verification used to substantiate the accuracy of these late payments. Specifically, I require : 1. The name and contact information of the creditor or furnisher who verified the late payments. 2. Copies of any documentation that the creditor or furnisher provided as evidence. 3. A description of the process used to verify the accuracy of the disputed information.Legal Obligations and Consequences of Non-ComplianceIf you can not verify this information in full compliance with 15 U.S. Code 1681i ( a ) ( 5 ), the law mandates that the inaccurate information be deleted from my credit file immediately. Continuing to report unverifiable or inaccurate late payments constitutes a willful violation of the FCRA, exposing you to statutory damages, punitive damages, and legal costs.Required ActionsI demand that you : 1. Investigate this dispute promptly and remove all inaccurate or unverifiable late payment notations. 2. Provide me with written confirmation of the removal or correction of these items. 3.

Provide a detailed explanation of the methods used to verify these disputed items.Notice of Intent to EscalateShould you fail to comply within the statutory 30-day timeframe outlined in 15 U.S. Code 1681i ( a ) ( 1 ), I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I reserve the right to seek legal action under the FCRA to protect my rights.Please treat this letter as a formal notice of dispute. I expect an acknowledgment of receipt within five business days and resolution within the timeline required by law. 
I am writing to formally request your acknowledgment of the discontinuation of reporting for the account associated with XXXX XXXX XXXX XXXX  XXXX. We kindly request your documented verification to confirm the accuracy and validity of all information presented in this request, including notations, dates, balances, compliance condition code ( XXXX ), and any pertinent details within the Metro 2 compliance segment and field ( s ). 
Your prompt attention to this matter and provision of the necessary confirmation would be greatly appreciated. 
XXXX XXXX XXXX XXXXXXXX I am formally disputing the inaccurate reporting of late payments on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of all reported information and verify disputed items promptly and thoroughly.The specific account in question is : Account Name : [ Creditor Name ] Account Number : [ Account Number ] Reported Late Payment Date ( s ) : [ List dates ] Violations of Permissible Purpose and Accuracy StandardsLate payments reported on my credit file are inaccurate, incomplete, or unverifiable. 
Your reporting of these late payments appears to violate 15 U.S. Code 1681e ( b ), which mandates that credit reporting agencies maintain reasonable procedures to ensure maximum accuracy of information.Furthermore, I question whether this account has been reported or accessed for a permissible purpose as required under 15 U.S. Code 1681b. If you are unable to demonstrate compliance with this section, the information must be immediately removed from my credit file. - Demand for Method of VerificationUnder 15 U.S. Code 1681i ( a ) ( 7 ), I demand that you provide me with a detailed explanation of the method of verification used to 2 of 7 substantiate the accuracy of these late payments. Specifically, I require : 1. The name and contact information of the creditor or furnisher who verified the late payments. 2. Copies of any documentation that the creditor or furnisher provided as evidence. 3. A description of the process used to verify the accuracy of the disputed information.Legal Obligations and Consequences of Non-ComplianceIf you can not verify this information in full compliance with 15 U.S. Code 1681i ( a ) ( 5 ), the law mandates that the inaccurate information be deleted from my credit file immediately. Continuing to report unverifiable or inaccurate late payments constitutes a willful violation of the FCRA, exposing you to statutory damages, punitive damages, and legal costs.Required ActionsI demand that you : XXXX. Investigate this dispute promptly and remove all inaccurate or unverifiable late payment notations. 2. Provide me with written confirmation of the removal or correction of these items. 3.

Provide a detailed explanation of the methods used to verify these disputed items.Notice of Intent to EscalateShould you fail to comply within the statutory 30-day timeframe outlined in 15 U.S. Code 1681i ( a ) ( 1 ), I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I reserve the right to seek legal action under the FCRA to protect my rights.Please treat this letter as a formal notice of dispute. I expect an acknowledgment of receipt within five business days and resolution within the timeline required by law. 
EXXXX XXXX XXXX  XXXX I kindly address the alleged delinquency and/or derogatory claim ( s ) outlined above, which, as reported, lack the minimal mandatory document proof required to certify the current compliant reporting of negative information. These claims must be physically verified, confirmed, and shown to be factually accurate, correct, timely, complete, and beyond doubt. Due to this deficiency, I insist on the immediate and comprehensive removal of all alleged negative aspects, in order to restore and uphold the ethical and legal reporting standards prescribed by adequate consumer credit reporting practices. 
XXXXXXXX XXXX XXXX XXXXXXXX I am formally disputing the inaccurate reporting of late payments on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of all reported information and verify disputed items promptly and thoroughly.The specific account in question is : Account Name : [ Creditor Name ] Account Number : [ Account Number ] Reported Late Payment Date ( XXXX ) : [ List dates ] Violations of Permissible Purpose and Accuracy StandardsLate payments reported on my credit file are inaccurate, incomplete, or unverifiable. 
Your reporting of these late payments appears to violate 15 U.S. Code 1681e ( b ), which mandates that credit reporting agencies maintain reasonable procedures to ensure maximum accuracy of information.Furthermore, I question whether this account has been reported or accessed for a permissible purpose as required under 15 U.S. Code 1681b. If you are unable to demonstrate compliance with this section, the information must be immediately removed from my credit file.Demand for Method of VerificationUnder 15 U.S. Code 1681i ( a ) ( 7 ), I demand that you provide me with a detailed explanation of the method of verification used to substantiate the accuracy of these late payments. Specifically, I require : 1. The name and contact information of the creditor or furnisher who verified the late payments. 2. Copies of any documentation that the creditor or furnisher provided as evidence. 3. A description of the process used to verify the accuracy of the disputed information.Legal Obligations and Consequences of Non-ComplianceIf you can not verify this information in full compliance with 15 U.S. Code 1681i ( a ) ( 5 ), the law mandates that the inaccurate information be deleted from my credit file immediately. Continuing to report unverifiable or inaccurate late payments constitutes a willful violation of the FCRA, exposing you to statutory damages, punitive damages, and legal costs. - Required ActionsI demand that you : XXXX. Investigate this dispute promptly and remove all inaccurate or unverifiable late payment notations. 
2. Provide me with written confirmation of the removal or correction of these items. 3. Provide a detailed explanation of the methods used to verify these disputed items.Notice of Intent to EscalateShould you fail to comply within the statutory 30-day timeframe outlined in 15 U.S. Code 1681i ( a ) ( 1 ), I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I reserve the right to seek legal action under the FCRA to protect my rights.Please treat this letter as a formal notice of dispute. I expect an acknowledgment of receipt within five business days and resolution within the timeline required by law. 
I express my profound disappointment regarding the absence of documented proof of compliance with 3 of 7 reporting standards and consumer laws. This deficiency is significant, and I demand the immediate deletion of the flawed report. Failure to comply will result in legal action for non-compliance with the relevant legal requirements. It is crucial for us to have comprehensive knowledge through accurate documentation, ensuring we are well-prepared to address potential issues in the future. 
XXXX XXXX XXXX - XXXX I am formally disputing the inaccurate reporting of late payments on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of all reported information and verify disputed items promptly and thoroughly.The specific account in question is : Account Name : [ Creditor Name ] Account Number : [ Account Number ] Reported Late Payment Date ( s ) : [ List dates ] Violations of Permissible Purpose and Accuracy StandardsLate payments reported on my credit file are inaccurate, incomplete, or unverifiable. 
Your reporting of these late payments appears to violate 15 U.S. Code 1681e ( b ), which mandates that credit reporting agencies maintain reasonable procedures to ensure maximum accuracy of information.Furthermore, I question whether this account has been reported or accessed for a permissible purpose as required under XXXX U.S. Code 1681b. If you are unable to demonstrate compliance with this section, the information must be immediately removed from my credit file.Demand for Method of VerificationUnder 15 U.S. Code 1681i ( a ) ( 7 ), I demand that you provide me with a detailed explanation of the method of verification used to substantiate the accuracy of these late payments. Specifically, I require : 1. The name and contact information of the creditor or furnisher who verified the late payments. 2. Copies of any documentation that the creditor or furnisher provided as evidence. 3. A description of the process used to verify the accuracy of the disputed information.Legal Obligations and Consequences of Non-ComplianceIf you can not verify this information in full compliance with 15 U.S. Code 1681i ( a ) ( 5 ), the law mandates that the inaccurate information be deleted from my credit file immediately. Continuing to report unverifiable or inaccurate late payments constitutes a willful violation of the FCRA, exposing you to statutory damages, punitive damages, and legal costs. - Required ActionsI demand that you : 1. Investigate this dispute promptly and remove all inaccurate or unverifiable late payment notations.

2. Provide me with written confirmation of the removal or correction of these items. 3. Provide a detailed explanation of the methods used to verify these disputed items.Notice of Intent to EscalateShould you fail to comply within the statutory 30-day timeframe outlined in 15 U.S. Code 1681i ( a ) ( 1 ), I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I reserve the right to seek legal action under the FCRA to protect my rights.Please treat this letter as a formal notice of dispute. I expect an acknowledgment of receipt within five business days and resolution within the timeline required by law. 
I hereby present the details pertaining to XXXX XXXX XXXX and XXXX. It is imperative to acknowledge that the aforementioned data has not been certified to conform to any recognized reporting standards. Therefore, the accuracy, currency, and comprehensiveness of the data can not be guaranteed. 
Furthermore, it is important to note that this information might be incomplete, outdated, or lacking proper support. In light of these circumstances, I kindly request the removal of any erroneous or unsupported content from the aforementioned page. 
I cordially request the removal of inaccurate information from my credit report and the provision of verifiable evidence of permissible purpose in accordance with the Fair Credit Reporting Act. There is currently no concrete proof of my authorization for the inclusion of such data by the specified companies. I kindly ask for immediate corrections to ensure accurate and compliant reporting. Additionally, I urge the companies to furnish me with a copy of the signed authorization within five business days. Your prompt attention to this matter is appreciated.

In compliance with the Fair Credit Reporting Act, I kindly request the removal of inaccuracies from my credit report and verification of the permissible purpose behind including this information. There is no clear evidence of my authorization for this data. Immediate corrections are requested to ensure accurate and compliant reporting. Furthermore, I urge the companies involved to provide a copy of the signed authorization within five business days. Your prompt attention is greatly appreciated. 
Sincerely, XXXX XXXX XXXX XXXXXXXX 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