Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX SSN : XXXX DOB : XXXX Phone Number : XXXX **Date : ** XX/XX/XXXX **To : ** TransUnion XXXX XXXX XXXX XXXX, PA XXXX Phone XXXX XXXX XXXXSubject : ** Dispute of Inaccurate Information on Credit Report Dear TransUnion, I am writing to formally dispute the inaccuracies on my credit report related to the account with XXXX I believe this account contains multiple inaccuracies and may be the result of identity theft. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these matters and remove or correct the inaccurate information promptly. 

XXXX XXXX XXXX Account Details in Dispute : - **Creditor : ** XXXX XXXX **Account Type : ** Installment Sales Contract - **Date Account Opened : ** XX/XX/XXXX - **Date Account Closed : ** XX/XX/XXXX - **Original Loan Amount : ** {$90.00} - **Date of Last Payment : ** XX/XX/XXXX - **Monthly Payment : ** {$0.00} - **Term Months : ** 6 Months - **Payment Frequency : ** Monthly - **Worst Pay Status : ** Unknown - **Company Address : ** XXXX XXXX XXXX, XXXX XXXX, MN XXXXXXXX XXXX XXXX XXXX Disputes : 1. **Late Payment** : - **Dispute** : I dispute the late payment status reported. According to Section 611 of the FCRA, the information must be accurate and complete. There is no verifiable evidence that a late payment occurred on this account.

2. **Account Open Date** : - **Dispute** : The reported open date of XX/XX/XXXX, is incorrect. As per Section 611, this information must be accurate and verifiable. There is no documentation or agreement showing that this account was opened on this date. 

3. **Payment Amount** : - **Dispute** : The reported monthly payment amount of {$0.00} is incorrect. Under Section 611, all information must be accurate. There is no contractual agreement or billing statement supporting this amount. 

4. **Balance** : - **Dispute** : The balance of {$90.00} reported is inaccurate. As per Section 611, this information must be accurate and verifiable. There is no evidence that this amount is correct or due. 

5. **Credibility** : - **Dispute** : The credibility of XXXXXXXX is in question. Under Section 605B, any information that can not be verified must be removed from the credit report. This creditor has failed to provide valid documentation supporting their claim. 

6. **Transactions** : - **Dispute** : I dispute the authenticity of any transactions related to this account. According to Section 609 ( a ) ( 1 ), I have the right to obtain all information related to any transactions appearing on my credit report. There is no documentation supporting these transactions.

7. **Account Authenticity** : - **Dispute** : I question the authenticity of this account. Under Section 611, all information must be accurate and verifiable. There is no evidence that this account belongs to me.

8. **Dates** : - **Dispute** : All dates related to this account, including the opening, closing, and last payment dates, are incorrect. According to Section 611, this information must be accurate and verifiable.

9. **Overall Accuracy** : - **Dispute** : I dispute the overall accuracy of this account. Section 611 requires that all information reported be accurate and complete. There is no evidence supporting any aspect of this account. 

XXXX XXXX XXXX Supporting Documents : - A copy of my credit report highlighting the disputed account. 
- A copy of my Identity Theft Report filed with the FTC ( FTC Report Number : XXXX ). 
- A copy of the Police Report filed with the XXXX Police Department ( Report Number : XXXX ). 
- Proof of my identity ( copy of my Social Security Card and a government-issued ID ). 

XXXX XXXX XXXX  Request for XXXX : I request that TransUnion immediately investigate and remove or correct the disputed information listed above. Please provide me with the results of your investigation and a new copy of my credit report reflecting the changes. If you do not remove or correct the information, please provide the name, address, and telephone number of each furnisher of the information. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, **Raymond XXXX XXXX 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 non-monetary relief