Consumer complaint received 2024-12-22 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: GA

Complaint narrative:
Subject : Dispute of Inaccurate Reporting XXXX  ( Report Number : XXXX ) Dear Consumer Financial Protection Bureau XXXX I am writing to formally dispute inaccurate and misleading information being reported by XXXX  on my credit report. The details of the account are as follows : Details of the Disputed Account : Account Name : XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Repossession ( {$8100.00} past due as of XX/XX/XXXX ) Original Balance : {$18000.00} This account contains several inaccuracies and reporting issues that violate federal credit reporting standards. 

Grounds for Dispute : XXXX. XXXX XXXX : The account status indicates a repossession dating back to XX/XX/XXXX, yet the payment history lists ongoing repossession statuses through XX/XX/XXXX. This creates a misleading representation of the account. Under 15 U.S.C. 1681s-2, creditors are required to furnish accurate and consistent data.

2. Inconsistent Payment History : The payment history redundantly lists repossession for multiple months ( e.g., XX/XX/XXXX, XX/XX/XXXX, and prior months ), creating confusion and potential over-reporting of derogatory marks. This redundant reporting must be corrected. 

3. Validation of Debt and Balance : The current balance of {$8100.00} is inconsistent with prior communications regarding the debt. XXXX has not provided adequate documentation to validate the amount owed, as required by 15 U.S.C. 1681i.

4. Failure to Correct Prior Dispute : This account was previously disputed, as noted in the reinvestigation details dated XX/XX/XXXX. However, XXXX failed to fully address or correct the inaccuracies identified in the dispute, violating the Fair Credit Reporting Act ( FCRA ). 

Requested Resolution : 1. Remove Duplicate Repossession Entries : Correct the payment history to eliminate redundant repossession statuses for months following the initial repossession in XX/XX/XXXX. 

2. Validate th

e Debt and Balance : Provide a detailed validation of the {$8100.00} balance, including a breakdown of charges, payments, and fees. If the debt can not be validated, delete the account entirely from my credit report. 3. Ensure Compliance with FCRA : Verify tha
t all reporting related to this account complies with federal regulations, including the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ).

4. Amend Credit Reporting : Update the accounts reporting to accurately reflect its status and remove any redundant or misleading information.

I am requesting the CFPBs assistance in investigating this matter and ensuring that DriveTime/Bridgecrest complies with its legal obligations. Please confirm receipt of this dispute and provide updates regarding your investigation. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

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