Consumer complaint received 2025-01-06 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:
Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Third Round Dispute Request for Review and Removal or Correction of Account Information Account Number : XXXX Dear TransUnion, I am writing to formally dispute the accuracy of the information reported on my credit file regarding XXXX XXXXXXXX XXXX XXXXXXXX account listed above. This is my third round of dispute, and I request that you conduct a comprehensive review of the account in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.. 

Discrepancies : XXXX XXXX XXXX XXXX  account shows a charge-off status with a past due balance of {$270.00} as of XX/XX/XXXX. This account has been marked with 63 potentially negative months of payment history, despite the fact that no sufficient documentation or communication has been provided to substantiate the accuracy of this status. I respectfully request that you investigate the following issues in accordance with the FCRA : 1. Inaccurate Charge-Off Reporting : The account has been reported as charged off, with a balance of {$270.00} written off. However, there is no clear and verifiable documentation or explanation regarding how this charge-off occurred, especially considering the last payment made on the account was on XX/XX/XXXX. As per 15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information ), the information provided to the credit reporting agencies must be accurate and complete. The lack of supporting documentation regarding the charge-off is a violation of this requirement.

2. Failure to Update Account Status : The account is marked as CO ( Charge-Off ) for a period of 63 months, but there are no updates or supporting records to verify the status change. Under 15 U.S.C. 1681i ( Procedures in case of disputed information ), I am entitled to a thorough investigation of disputed information. If the information is found to be inaccurate or unverifiable, it must be corrected or removed from my credit file. 

3. Request for Debt Removal or Correction : In accordance with 15 U.S.C. 1681e ( b ) ( Duty of users of consumer reports to report accurate information ), I am requesting that : This account be removed from my credit report if it can not be substantiated with proper documentation.

Alternatively, if the charge-off is found to be in error, correct the account status to reflect accurate and verifiable information.

If no documentation is provided to validate the charge-off and the balance of {$270.00}, this account should be removed entirely from my credit file. This is consistent with 15 U.S.C. 1681i ( a ) ( Duration of investigation ), which requires that a consumer 's disputes be resolved within 30 days. 

Request for Supporting Documentation : To assist in the investigation, I request that you provide : Documentation regarding the charge-off, including the date and any actions taken on the account. 
Any records of communications, including debt collection efforts, related to this account after the last payment date ( XX/XX/XXXX ). 
Proof that this account was properly handled in compliance with all applicable consumer protection laws. 
Under 15 U.S.C. 1681g ( Disclosures to consumers ), I am entitled to request a complete report of the information you have on file for this account, as well as the sources from which this information was derived. If this information can not be verified, the account must be removed from my credit report.

Conclusion : If the information can not be substantiated within the statutory time frame of 30 days, I respectfully request that you remove the charge-off status and any associated negative information from my credit report in compliance with 15 U.S.C. 1681i ( a ).

Thank you for your attention to this matter. I trust that you will thoroughly investigate my dispute and ensure that my rights under the Fair Credit Reporting Act are fully upheld. 

Sincerely, XXXX 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 explanation