Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Upon reviewing my credit report, I discovered discrepancies in the reporting of last payment dates for closed accounts. These inaccuracies are violations of FCRA requirements to ensure accurate and fair reporting of consumer information, specifically under 1681e ( b ), which requires that credit reporting agencies maintain reasonable procedures to assure maximum possible accuracy. 

The accounts with discrepancies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) TransUnion last payment date XXXX XXXX XXXX ) These accounts are closed, and the inaccuracies are a violation of 1681c ( a ) of the FCRA, which governs the inclusion of outdated or incorrect information. Furthermore, these discrepancies likely result from the data furnishers failure to comply with 1681s-2 ( a ) of the FCRA, which mandates accurate reporting of consumer information. 

In addition to these discrepancies, I have also been the victim of identity theft, which I have officially reported to the Federal Trade Commission ( FTC ). I have attached my FTC Identity Theft Report as part of my formal dispute. Due to the fraudulent nature of these accounts, I am requesting the immediate removal of these accounts from my credit report. These inaccuracies are materially damaging to my credit and can not be verified, therefore I am requesting their deletion as per my rights under FCRA 1681i ( a ), which entitles me to dispute and remove unverifiable information. 

To assist with this investigation, I have included : 1. A copy of my credit report with the accounts in question highlighted.

2. A copy of my government-issued identification.

3. Proof of address ( utility bill or other acceptable documentation ).

4. A copy of my FTC Identity Theft Report.

As required under FCRA 1681i ( a ) ( 1 ), you must investigate and resolve this dispute within 30 days. If these accounts can not be verified or accurately corrected, I request their immediate removal from my

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