Consumer complaint received 2024-11-30 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: FL

Complaint narrative:
I am writing to dispute the inaccurate reporting of the following charge-off entries on my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX These entries are inaccurate and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I demand an immediate investigation and correction of these inaccuracies to ensure compliance with federal law. 

Violations of Federal Law 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct a reasonable reinvestigation of any disputed information within 30 days. Failure to do so is a violation of federal law. 

15 U.S. Code 1681e ( b ) : Mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information they report. The reporting of these inaccurate charge-offs violates this provision.

2. Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S. Code 1692g : Debt collectors must validate any debt upon request. If a charge-off can not be validated, it is unlawful for the creditor or debt collector to continue reporting the account.

3. Truth in Lending Act ( TILA ) : 15 U.S. Code 1635 : Creditors must provide accurate and fair disclosures related to the terms and validity of debts. Reporting charge-offs without proper documentation may constitute a violation of this statute. 




Damages and Remedies If these inaccuracies are not corrected promptly, I reserve the right to pursue legal remedies under the FCRA and FDCPA, including : Statutory damages of up to {$1000.00} per violation. 

Actual damages caused by these inaccuracies, such as increased interest rates, credit denials, or emotional distress. 

Punitive damages for willful noncompliance with federal statutes. 

Recovery of legal fees and associated costs. 


Action Requested I demand the following actions : 1. Conduct a thorough investigation of these accounts to verify their accuracy.

2. Remove the inaccurate charge-off entries from my credit report immediately.

3. Provide a written statement confirming the removal or correction of these entries within 30 days, as required under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

Next Steps Failure to comply with these demands will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. Additionally, I will consult legal counsel to pursue remedies under federal law for the harm caused by these inaccuracies. 

Thank you for your immediate attention to this matter. 

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