Consumer complaint received 2024-09-11 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: FL

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear TransUnion, I am writing to formally file a complaint against TransUnion regarding the following inaccurate information on my credit report. This item is incorrect and should be removed under the Fair Credit Reporting Act ( FCRA ). 

Item in Dispute : Creditor Name : XXXX XXXX  Account Number : XXXX Inaccuracy : Date Last Active Reported Incorrectly ( Account Re-aged ) Explanation : The Date Last Active reported on the above account is inaccurate and has been re-aged. This incorrect information is negatively affecting my credit score and is not a true reflection of my creditworthiness. Accurate reporting of the Date Last Active is crucial as it impacts the calculation of the accounts age and the overall credit history.

Relevant Laws : Section 623 ( a ) ( 2 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) : This section requires furnishers of information ( creditors ) to provide accurate information to credit reporting agencies. XXXX XXXX  has failed to comply with this requirement by reporting an incorrect Date Last Active. 
Section 611 ( a ) ( 1 ) ( A ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) : This section mandates that credit reporting agencies must conduct a reasonable investigation of disputed information. If the credit bureau did not properly investigate my dispute regarding the Date Last Active, they violated this provision. 
Section 609 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681g ( a ) ( 1 ) ) : This section grants consumers the right to request all information in their credit file, including the sources of the information. Re-aging the account without proper documentation or verification violates my right to accurate information. 
Section 605 ( a ) of the FCRA ( 15 U.S.C. 1681c ( a ) ) : This section outlines the time limits for reporting negative information. An incorrect Date Last Active can extend the time negative information remains on my credit report, violating this provision. 
Supporting Documentation : Copy of my credit report with the disputed item circled FTC Report : I have also filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter. The FTC enforces the FCRA and ensures that consumers rights are protected. The complaint reference number is [ XXXX ]. This step was necessary due to XXXX XXXX  and TransUnions refusal to correct the inaccurate information. 
Attorney General Complaint : I have also filed a complaint with the Florida Attorney General regarding this matter. This step was taken to ensure that my rights are protected and that the inaccuracies are corrected promptly. 
TransUnion Investigation : This account was previously investigated by TransUnion, which stated that the account was accurate. However, I have identified several violations that are still present on this account, despite TransUnions claim of a thorough investigation. Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), credit reporting agencies are required to conduct a reasonable investigation of disputed information. TransUnions failure to identify and correct these inaccuracies constitutes a violation of this law.

Statement of Dispute : As per 15 U.S. Code 1681i ( b ), I am requesting that a statement of dispute be included in my credit file if the reinvestigation does not resolve the dispute. The statement should read as follows : The consumer disputes the accuracy of the Date Last Active reported by XXXX XXXX  on this account. The consumer asserts that the date has been inaccurately re-aged, affecting the credit report negatively. 

I demand that you investigate this matter promptly and remove the inaccurate Date Last Active from my credit report. Failure to comply with these legal requirements may result in further legal action. 

Thank you for your immediate 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