Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ubject : Urgent Formal Dispute of Inaccurate and Inconsistent Credit Report Information To Whom It May Concern : I am writing to formally dispute inaccurate and inconsistent information listed on my credit report as provided by XXXX and TransUnion. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I have the right to dispute information that is inaccurate, incomplete, or unverifiable. Additionally, as a victim of the XXXX XXXX data breach, which compromised my personal information, I demand the utmost diligence and urgency in resolving this matter. 
The account in question is listed as follows : * Creditor : XXXX XXXX  * Account Number : XXXX * Type : Revolving ( Credit Card ) * Balance : {$2300.00} * Payment Status : Collection/Chargeoff Critical Inaccuracies and Inconsistencies Identified 1. Contradictory Account Status and Payment History : The report lists the account as " Collection/Chargeoff '' while simultaneously marking " OK '' payment history for several months, even after the charge-off date. This is an obvious contradiction and demonstrates a failure to maintain accurate records. 
2. Conflicting Reporting Dates : * The " Last Reported '' date differs between XXXX ( XX/XX/XXXX ) and TransUnion ( XX/XX/XXXX ). This inconsistency raises questions about the validity of the reporting process. 
* Both " Date Last Active '' and " Date of Last Payment '' are listed as XX/XX/XXXX, yet the balance remains unchanged, further highlighting reporting errors. 
3. Incorrect Credit Limit Reporting : The credit limit is incorrectly listed as {$0.00}, despite a high credit amount of {$2300.00}. This misrepresentation of the account terms negatively impacts my credit profile. 
4. Consumer Dispute Not Accurately Reflected : Despite my previous dispute of this account, XXXX and TransUnion have failed to properly mark the account as disputed, as required by law. 
Violations of the Fair Credit Reporting Act ( FCRA ) The following FCRA provisions have been violated : * Section 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy of the information reported.

* Section 1681i ( a ) : Failure to conduct a timely and adequate investigation of disputed information.

* Section 1681c ( f ) : Failure to appropriately note disputed accounts on the consumer report. 
XXXX Data Breach Impact As a victim of the XXXX XXXX data breach, my personal information was compromised due to XXXX 's negligence. This breach has heightened my concern regarding the integrity of my credit information. Given XXXX 's past failures, I expect heightened accountability in addressing these errors and ensuring my credit report is corrected immediately. 
Demands for Resolution I request the following actions without delay : 1. Conduct a comprehensive investigation into the disputed account.

2. Provide a detailed explanation of the investigation process and how the information was verified.

3. Immediately correct or remove all inaccurate, incomplete, or unverifiable information from my credit report.

4. Issue an updated and accurate copy of my credit report reflecting these corrections. 
Supporting Documentation Enclosed, I have included the following documents to assist in your investigation : * A copy of my credit report with the discrepancies highlighted. 
* Documentation related to the XXXX data breach and its impact on me. 
* A copy of my government-issued ID for identity verification. 
Recordkeeping and Next Steps Please be advised that I am maintaining meticulous records of all correspondence regarding this matter. I expect a written response, including the results of your investigation, within 30 days, as mandated by the FCRA. 
Failure to address this dispute adequately will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities. I may also pursue legal action to protect my rights under the FCRA and Fair Debt Collection Practices Act ( FDCPA ).

Thank you for your immediate attention to this urgent matter. I trust that you will handle this dispute with the seriousness it warrants and resolve it promptly. right to dispute information that is inaccurate, incomplete, or unverifiable. Additionally, as a victim of the XXXX XXXX data breach, which compromised my personal information, I demand the utmost diligence and urgency in resolving this matter. 
The account in question is listed as follows : * Creditor : XXXX XXXX  * Account Number : XXXX * Type : Revolving ( Credit Card ) * Balance : {$2300.00} * Payment Status : Collection/Chargeoff Critical Inaccuracies and Inconsistencies Identified 1. Contradictory Account Status and Payment History : The report lists the account as " Collection/Chargeoff '' while simultaneously marking " OK '' payment history for several months, even after the charge-off date. This is an obvious contradiction and demonstrates a failure to maintain accurate records. 
2. Conflicting Reporting Dates : * The " Last Reported '' date differs between XXXX ( XX/XX/XXXX ) and TransUnion ( XX/XX/XXXX ). This inconsistency raises questions about the validity of the reporting process. 
* Both " Date Last Active '' and " Date of Last Payment '' are listed as XX/XX/XXXX, yet the balance remains unchanged, further highlighting reporting errors. 
3. Incorrect Credit Limit Reporting : The credit limit is incorrectly listed as {$0.00}, despite a high credit amount of {$2300.00}. This misrepresentation of the account terms negatively impacts my credit profile.

4. Consumer Dispute Not Accurately Reflected : Despite my previous dispute of this account, XXXX and TransUnion have failed to properly mark the account as disputed, as required by law. 
Violations of the Fair Credit Reporting Act ( FCRA ) The following FCRA provisions have been violated : * Section 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy of the information reported.

* Section 1681i ( a ) : Failure to conduct a timely and adequate investigation of disputed information.

* Section 1681c ( f ) : Failure to appropriately note disputed accounts on the consumer report. 
XXXX XXXX XXXX XXXX As a victim of the XXXX XXXX data breach, my personal information was compromised due to XXXX 's negligence. This breach has heightened my concern regarding the integrity of my credit information. Given XXXX 's past failures, I expect heightened accountability in addressing these errors and ensuring my credit report is corrected immediately. 
Demands for Resolution I request the following actions without delay : 1. Conduct a comprehensive investigation into the disputed account.

2. Provide a detailed explanation of the investigation process and how the information was verified.

3. Immediately correct or remove all inaccurate, incomplete, or unverifiable information from my credit report.

4. Issue an updated and accurate copy of my credit report reflecting these corrections.

Supporting Documentation Enclosed, I have included the following documents to assist in your investigation : * A copy of my credit report with the discrepancies highlighted. 
* Documentation related to the XXXX data breach and its impact on me. 
* A copy of my government-issued ID for identity verification. 
Recordkeeping and Next Steps Please be advised that I am maintaining meticulous records of all correspondence regarding this matter. I expect a written response, including the results of your investigation, within 30 days, as mandated by the FCRA. 
Failure to address this dispute adequately will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities. I may also pursue legal action to protect my rights under the FCRA and Fair Debt Collection Practices Act ( FDCPA ). 
Thank you for your immediate attention to this urgent matter. I trust that you will handle this dispute with the seriousness it warrants and resolve it promptly.

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