Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I mailed a letter disputing inaccurate and/or incomplete information contained in consumer reports compiled, maintained, and published by Transunion allegedly concerning the following tradelines. As per USPS records, they received my dispute letter on XX/XX/XXXX. Accordingly, as per the FCRA, they were required to conduct a reasonable reinvestigation and delete the disputed information as I requested before the end of the 30 day period on the date on which you received my dispute letter. MY REQUEST WAS NOT A VERIFICATION FOR PROOF OF MY MAILING ADDRESS. MY REQUEST WAS A VALIDATION MADE PURSUANT TO 15 USC 1692G.

The response was due on or before XX/XX/XXXX. Instead of sending me a response letter with the results of your investigation of the disputed information, they mailed me a letter dated XX/XX/XXXX stating the information disputed does not currently appear on my Transunion credit report. Yet, they failed to provide an updated report. 

Clearly, they have willfully failed to delete the disputed information as I have requested. They willfully failed to conduct a reasonable investigation. The failure to do so is a direct FCRA violation. As per the FCRA, they are liable to me for damages for your misconduct. You are commanded to send a check in the amount of {$1000.00} payable to XXXX XXXX. 

Be advised, this not another dispute or opportunity for you to reinvestigate. The allowable period to conduct a reinvestigation has expired and shall not be extended by law. Within 14 days, I demand they delete the disputed information as requested, send an updated copy of my consumer file, and send me the {$1000.00} check to my mailing address above. 

I demand the following accounts be deleted IMMEDIATELY : ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX. 
1. THEY ARE INACCURATELY REPORTING THE CHARGE OFF DATE AS THE FIRST DELINQUENCY, A VIOLATION FCRA 623 ( a ) ( 5 ) ( A ) 2. THEY HAVE REAGED THE ALLEGED DEBT, WHICH IS ILLEGAL AND A CLEAR VIOLATION OF FCRA SECTION 623 ( 5 ) ( A ). 3. THEY ARE INACCURATELY REPORTING TO THE CREDIT BUREAUS THE DATE OF DELINQUENCY. THIS DEBT IS 9 YEARS OLD PAST THE STATUE OF LIMITATIONS. 
4. THEY ARE MORPHING THE " CURRENT BALANCE '' BY {$1.00} EACH MONTH TO MALICIOUSLY TRIGGER MY CREDIT SCORING.

5. THEY ARE REPORTING A " PAST DUE '' BALANCE. A COLLECTION ACCOUNT CAN NOT REPORT A PAST DUE BALANCE. 
6. THEY ARE REPORTING A MONTHLY PAST DUE. A COLLECTION ACCOUNT CAN REPORT A MONTHLY PAST DUE BALANCE.

7. THEY FAILED TO PROVIDE A NOTICE OF DEBT AND RIGHT TO DISPUTE.

I demand this account be deleted for inaccurate reporting in accordance with the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX. 
1. The creditor has not proven in accordance with the laws of the State of Pennsylvania, specifically12 PA Cons Stat 6254, as well as State Risa and MVISA statutes, a deficiency claim can not be valid unless all required notices were DULY provided in a proper and TIMELY manner.

2. The creditor failed to provide traceable evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold.

3. The Creditor is reporting Past Due on a deficiency balance. A deficiency balance can not be reported as such.

4. The creditor is reporting Past Due monthly payment on a deficiency balance. A deficiency balance is not a monthly payment and can not be reported as such. 
5. The creditor reports Current XX/XX/XXXX & XXXX XXXX but 60 days past due XXXX XXXX 90 Days past due in XXXX, XXXX Past due in XXXX, and 150 Past due in XXXX. How is that accurate? 
6. Creditor is reporting Collections XXXX through XX/XX/XXXX but Past Due 180 days XXXX through XX/XX/XXXX? How is that accurate? 
7. Creditor is reporting No Data XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but you reported as having Verified the alleged debt for accuracy. 
8. The creditor fails to report the first date of delinquency, as obligated by law.

I demand this account be deleted for inaccurate reporting in accordance with the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act. 

ACCOUNT NAME XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX. 
1. THIS IS A COLLECTION ACCOUNT AND IS REPORTING AS OPEN. THIS IS A CLEAR VIOLATION OF 15 USC CODE 1681S-2. A COLLECTION ACCOUNT CAN NOT REPORT AS OPEN. THIS IS ALSO A VIOLATION OF 15 US CODE 1681B-CONGRESSIONAL FINDINGS AND PURPOSES.

2. THIS COLLECTION ACCOUNT IS REPORTING AS LATE/PAST DUE. THIS IS A CLEAR VIOLATION OF 15 USC CODE 1681S-2 INACCURATE REPORTING. A COLLECTION REPORT IS NOT THE ORIGINAL CREDITOR AND THEREFORE CAN NOT REPORT AS LATE OR PAST DUE. THIS IS ALSO A VIOLATION OF 15 US CODE 1681B-CONGRESSIONAL FINDINGS AND PURPOSES.

3. THIS COLLECTION ACCOUNT IS ALSO IN VIOLATION OF 15 USC 1692G, AS NO WRITTEN NOTICE of debt was provided. THEY FAILED TO PROVIDE A NOTICE OF DEBT AND RIGHT TO DISPUTE. 
4. THE AGENCY NAME IS REPORTING the agency name : XXXX. NO SUCH AGENCY NAME exists as a registered business in the USA.

5. The creditor fails to report the first date of delinquency, as obligated by law.

I demand this account be deleted for inaccurate reporting in accordance with the Consume
r Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act.

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 explanation