Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Following my recent review of my credit report, I have identified more inaccuracies that need immediate investigation and correction. Below are the specific disputes : XXXX. Account : [ XXXX ] ( Account # XXXX ) ** This account is listed as Collection/Charge-off with a derogatory status.

Charge-offs : As per 15 U.S. Code 1601, creditors are required to provide all disclosures under the Truth in Lending Act, which were not provided in this instance.

The payment history shown does not accurately reflect the reported balances or activity, which constitutes a violation of accurate reporting under 15 U.S. Code 1681e ( b ). 

XXXX. Account : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) This account appears as a Collection/Charge-off but lacks sufficient documentation to substantiate the debt.

Collections : Under 15 U.S. Code 1692 ( c ), I did not consent to communication or debt collection activities by this agency. Without my explicit consent, this listing is invalid.

The comments section indicates a dispute that remains unresolved, yet it still reports derogatory status inaccurately. 

XXXX. Account : [ XXXX ] ( Account # XXXX ) ** The reported status as Collection/Charge-off includes a balance of {$21000.00}, but the comments show unresolved disputes.

Disputes : As per 15 U.S. Code 1666 ( b ), a billing error or dispute must be properly investigated and resolved, which was not the case here.

The payment history indicates inaccuracies that are not supported by sufficient documentation or evidence. 

XXXX. Account : XXXX XXXX XXXX XXXX ( Account # XXXX ) ** This account reports Collection/Charge-off and an unpaid balance of {$88000.00}.

Charge-offs : According to 15 U.S. Code 1601, creditors must adhere to disclosure requirements under the Truth in Lending Act. Without full compliance, this reporting is inaccurate.

Additionally, the payment history shows derogatory marks that do not align with factual payment records.

Requested Action : I request the immediate investigation and correction of the listed inaccuracies. Specifically, I ask that you : 1. Verify all reported balances and payment histories with sufficient documentation.

2. Remove all inaccurate, unverifiable, or incomplete information from my credit report in compliance with 15 U.S. Code 1681i.

3. Provide a detailed written response within 30 days of receipt of this letter.

Attached are copies of my credit report highlighting the disputed entries, as well as additional documentation to support my claims. Failure to resolve these issues promptly may result in further action under applicable consumer protection laws.

Thank you for your immediate attention to these matters. I look forward to your timely response.

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