Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
Urgent Request for Removal of Incorrect Information from My Credit Report Dear XXXX XXXX I am writing to express my extreme concern regarding the serious inaccuracies I have found in my credit report issued by TransUnion. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I have the legal right to ensure that my credit report is completely accurate. The presence of incorrect information in my report constitutes a direct violation of the FCRA and must be corrected immediately to avoid legal consequences. 

I have identified several inconsistencies regarding the account reported by : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) with account number XXXX : XXXX. XXXX Account : ** This account appears twice in my report with different opening dates ( XX/XX/year> and XX/XX/year> ). This error is unacceptable and violates Section 611 of the FCRA ( 15 U.S.C. 1681i ), which mandates that any information that can not be verified must be removed immediately. 

XXXX. **Balance and High Credit : ** Both instances of this account show a balance of {$7600.00}, which is incorrect. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Pub.L. 111203, H.R. 4173 ), credit reporting agencies are obligated to handle consumer information accurately and fairly. Failure to do so could result in severe penalties. 

XXXX. **Contradictory Comments : ** XXXX record states the account was " Placed for collection, '' while the other claims " Subject has not satisfied debt. '' These statements are contradictory and must be rectified immediately according to Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), which governs the accuracy of information provided by creditors. 

XXXX. **Dates of Last Report and Activity : ** The last reported dates ( XX/XX/year> and XX/XX/year> ) and the dates of last activity do not match between the records, suggesting that XXXX or both are incorrect. This discrepancy is another violation of the FCRA and must be corrected immediately. 

To support my dispute, I have included the following documentation : - A photograph of the report showing the errors. 
- A copy of my government-issued identification. 
- A copy of my Social Security card. 

The Dodd-Frank Act and the FCRA are clear regarding the obligations of credit reporting agencies to ensure the accuracy of the information. Any violation of these laws is not only illegal but also unacceptable and can result in significant legal penalties and civil liabilities. 

**I demand the immediate removal of the duplicate entries and the correction of all incorrect information in my credit report. ** If swift and effective action is not taken, I will be forced to consider all available legal options to protect my rights. 

I expect an immediate resolution and an updated copy of my credit report once the necessary corrections have been made. Should you require further information or additional documentation, please contact me immediately using the information provided above. 

Thank you for your urgent attention to this critical matter. 

Sincerely,

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