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:
To Whom It May Concern, I am writing to formally dispute the accuracy of the information reported by XXXX XXXX on my credit report, as listed in both TransUnion and XXXX. Upon careful review of the enclosed report, I have identified multiple inaccuracies and discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I request an immediate investigation and correction of these issues to ensure my credit report reflects only accurate and verifiable information, as required by law. 
Details of Dispute : 1. Account Status and Balance ( TransUnion and XXXX ) : The account is marked as " Collection/Chargeoff '' with a balance of {$3200.00}. According to FCRA 623 ( a ) ( 5 ), once an account is charged off, the balance should reflect {$0.00} unless legally transferred to a collection agency. Both TransUnion and XXXX inaccurately report this balance as active, violating the FCRAs requirements for accurate reporting. Reporting this balance as unpaid creates misleading and harmful information that unfairly affects my creditworthiness. 
2. Last Reported Date Discrepancy ( XXXX ) : The last reported date of " XXXX '' on XXXX is impossible and erroneous, reflecting a future date. This constitutes a violation of FCRA 607 ( b ), which mandates that credit reporting agencies maintain accurate and current information. Reporting such future dates undermines the integrity of the credit reporting system and suggests negligence in data validation. 
XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX ( TransUnion and XXXX ) : The high credit is listed as {$3200.00}, which exceeds the stated credit limit of {$2400.00}. Under FCRA 611 ( a ), I am entitled to dispute any inaccurate or incomplete information and demand an investigation into this inconsistency. Discrepancies like this misrepresent my credit usage and impact my credit profile negatively. 
4. Commentary Language ( XXXX ) : The comment " Charged off as bad debt, Profit and loss write-off '' on XXXX does not accurately or appropriately represent the accounts status. As per FCRA 609 ( a ) ( 1 ), I am entitled to a full and detailed explanation or removal of this inaccurate commentary if it can not be substantiated. Inaccurate or misleading remarks unfairly damage my credit reputation and must be corrected or removed. 
5. Failure to Verify Account Information ( TransUnion and XXXX ) : Under FDCPA 807 ( 8 ), it is a deceptive practice to furnish information to a credit reporting agency without proper verification. I demand both credit bureaus provide proof of their verification process for this account. If no such documentation exists, the account must be deleted, as required by FCRA 611 ( a ) ( 5 ) ( A ). 
XXXX Data Breach : Additionally, I am a documented victim of the XXXX data breach, as evidenced by the enclosed documentation. My personal information was exposed during this breach, increasing the likelihood of inaccuracies or fraudulent activity on my credit report. Under FCRA 605B, I am requesting heightened scrutiny of my file and immediate removal of any inaccurate or unverifiable information that may have resulted from identity theft or fraud. I also expect XXXX to take full accountability for the inaccuracies on my report that stem from their failure to protect consumer data. Their negligence in safeguarding my information has directly contributed to these discrepancies. 
Legal Monitoring of Resolution Timeline : Please note that I am keeping a detailed record of all correspondence and actions taken regarding this dispute. If this matter is not resolved within the 30-day period prescribed by FCRA 611 ( a ) ( 1 ) ( A ), I will have no alternative but to escalate the issue through legal channels. This may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing legal action to enforce my rights under FCRA and FDCPA. 
Requested Actions : 1. Conduct a thorough investigation of the above discrepancies and provide documentation to substantiate the reported information.

2. Correct or delete all inaccurate, unverifiable, or incomplete information from my credit report, as required by FCRA 611 ( a ) ( 5 ) ( A ).

3. Notify me in writing of the results of your investigation, along with an updated copy of my credit report reflecting these changes. 
Enclosed, you will find copies of the following documents to assist in your investigation : * A copy of my government-issued ID * Proof of address * Documentation confirming my status as a victim of the XXXX data breach I appreciate your prompt attention to this matter.

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