Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of the information being reported by XXXX XXXX on my credit reports with XXXX and TransUnion. The inaccurate reporting by XXXX XXXX has led to significant discrepancies in my credit reports, negatively impacting my creditworthiness and financial standing. 

The account in question, XXXX, has been reported differently by XXXX and TransUnion. XXXX reports the account as being 120 days late, while TransUnion reports the account as being charged off. Additionally, there are discrepancies in the reported balances, with XXXX reporting a balance of {$1000.00} and TransUnion reporting a balance of {$1000.00}. Other discrepancies would be the reflected 90 days late. XXXX is reflecting two separate dates XX/XX/2023 & XX/XX/2023, and this is inaccurate and harmful to my creditworthiness. 

Furthermore, there are inconsistencies in the reporting of payment history. XXXX reports a good standing payment history for XX/XX/2023, while TransUnion does not report any payment history but reflects the account as charged off. 

I do not believe that this information is accurate and am requesting documentation to validate the accuracy of this account. Verification must be provided in the form of an original agreement or contract signed by myself and an officer of XXXX XXXX. Without proper validation, I can not accept the accuracy of the reported information. 
I demand that XXXX and TransUnion conduct a thorough investigation into this matter and provide me with a written response detailing the actions taken to rectify these discrepancies within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ). 

I also demand that any inaccurate information be promptly removed or corrected from my credit reports. Since TransUnion is reflecting that this account is charged off, I am demanding the 1099c ( cancellation of debt ) form from the IRS that reflects this accuracy. If this information can not be validated as true, then this account is fraudulent and this account must be deleted. 

XXXX is reflecting this account is open and late while TransUnion is reflecting this account is closed. This is another inaccuracy. 

Failure to comply with my request and rectify the inaccuracies in a timely manner may result in further legal action to protect my rights under federal law.

5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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