Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accscient, LLC
State: GA

Complaint narrative:
To Whom It XXXX Concern, Transunion I am writing to formally dispute the accuracy and legality of the account ( XXXX ) listed on my consumer report that you are currently reporting. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), including * * 15 U.S.C. 1681c-2 * *, and supported by controlling federal case law.

The information in question is the result of * * identity theft and/or unauthorized use * *, and therefore qualifies for * * mandatory blocking * * under * * 15 U.S.C. 1681c-2 ( a ) * *. The continued reporting of this account is unlawful once a valid dispute and claim of identity theft has been made.

Under the FCRA, consumer reporting agencies and furnishers are required to conduct a * * reasonable investigation * * and ensure * * maximum possible accuracy * * of all information reported. Courts have consistently held that superficial or automated investigations are insufficient : * In * * Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) * *, the court held that credit reporting agencies must do more than merely parrot information received from furnishers and must conduct a reasonable reinvestigation.

* In * * Johnson v. MBNA America Bank, NA, 357 F.3d 426 ( 4th Cir. 2004 ) * *, the court ruled that furnishers must conduct a meaningful investigation and review underlying documentation.

* In * * Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ) * *, the court confirmed that reporting information known to be inaccurate or misleading violates the FCRA.

Because this account is inaccurate, misleading, and the product of identity theft, its continued reporting constitutes a violation of * * 15 U.S.C. 1681e ( b ), 1681i, and 1681c- 2 * * Accordingly, I demand the following : 1. * * Immediate deletion and blocking * * of the disputed account ( s ) from my consumer report ; 2. Written confirmation that the account ( s ) have been permanently removed ; 3. Cessation of any future reinsertion, as required by * * 15 U.S.C. 1681c-2 ( b ) * *.

Failure to comply with this demand may result in further action to enforce my rights under the FCRA, including the pursuit of statutory, actual, and punitive damages, as well as attorneys fees pursuant to * * 15 U.S.C. 1681n and 1681o * *.

This letter serves as formal notice. Please govern yourselves accordingly. 

Accounts affected : Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX APTS Date Assigned XXXX XXXX, XXXX Original Amount Owed {$650.00} Amount {$650.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency CREDIT BUREAU XXXX XXXX GA XXXX XXXX XXXX XXXX CONSULTANTS Date Assigned XX/XX/XXXX Original Amount Owed {$2700.00} Amount {$2700.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XXXX XXXX, XXXX Comments XXXX  Contact XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX ANESTHESIA Date Assigned XX/XX/XXXX Original Amount Owed {$2400.00} Amount {$2400.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XXXX XXXX, XXXX Comments XXXX  Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TN XXXX ( XXXX XXXX XXXX

Company response to consumer: Untimely response