Consumer complaint received 2023-07-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion File XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Formal Dispute Regarding Fraudulent Reporting and Violations of Section Codes Dear Sir/Madam, I am writing to express my utmost concern and dispute the accuracy of my credit report maintained by TransUnion. It has come to my attention that a highly alarming case of fraudulent reporting persists on my credit report, specifically related to the account labeled " XXXX XXXX XXXX. '' Despite my repeated attempts to address this matter, it is evident that TransUnion has failed to conduct a comprehensive and diligent investigation into my dispute. I strongly assert that this account is falsely reported, and the documentation provided by " XXXX XXXX XXXX '' reveals multiple inconsistencies, including disparities in the assignment date, account opening date, reported balance, and the unjust practice of continuous interest reporting. I demand immediate and assertive action from TransUnion to rectify this situation, as I have provided substantial evidence supporting my claims. 

Key Details : Name : XXXX Date of Birth : XX/XX/XXXX I wish to emphasize the gravity of the concerns I have raised : 1. Blatant Fraudulent Reporting : I strongly contend that the inclusion of the " XXXX XXXX XXXX '' account on my credit report constitutes a clear and disturbing case of fraudulent reporting. The evidence I have obtained exposes significant disparities concerning the assignment date, account opening date, reported balance, and the unwarranted practice of continuous interest reporting. These inconsistencies raise serious doubts about the credibility and accuracy of this account, unequivocally demonstrating its fraudulent nature. 

2. Violation of IRS Regulations : It is crucial to acknowledge that any outstanding balance surpassing {$600.00} mandates the issuance of a XXXX ( XXXX XXXX XXXX  ) form by the Internal Revenue Service ( IRS ). The fact that " XXXX XXXX XXXX '' persists in reporting interest instead of complying with the IRS regulations regarding a XXXX constitutes a flagrant violation. This not only reveals the fraudulent nature of the account but also exposes the unlawful actions taken by " XXXX XXXX XXXX. '' 3. Inadequate Investigation : I am deeply disappointed by TransUnion 's failure to conduct a thorough investigation into this matter despite my persistent and well-documented dispute requests. This lack of due diligence is not only a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations but also undermines the integrity of TransUnion 's responsibilities. I demand that TransUnion rectifies this situation promptly by conducting a comprehensive and diligent investigation into the legitimacy of the " XXXX XXXX XXXX '' account, taking into account the compelling evidence I have provided. 

Considering the seriousness of the concerns raised, I am compelled to inform you of my intention to pursue legal action against both " XXXX XXXX XXXX '' and TransUnion for their respective roles in the fraudulent reporting and perpetuation of this account on my credit report. I am fully prepared to take all necessary legal measures to redress this injustice and seek appropriate remedies for the extensive damages caused by this misleading and inaccurate reporting. 

I hereby demand that TransUnion takes immediate and decisive action to address this matter, in strict compliance with the following sections of the FCRA : - Section 611 ( a ) ( 1 ) ( A ) - Requirement of Reasonable Procedures to Assure Maximum Possible Accuracy of Credit Reports- Section 611 ( a ) ( 5 ) ( A ) - Investigation of Disputed Information - Section 611 ( a ) ( 7 ) - Blocking of Information That Is the Result of Identity Theft - Section 623 ( a ) ( 2 ) - Duties of Furnish ers of Information Upon Notice of Dispute I expect and demand that TransUnion promptly and unequivocally notifies me of the actions taken to address this dispute and ensures the immediate removal of the fraudulent " XXXX XXXX XXXX '' account from my credit report. Failure to comply with these demands will leave me no choice but to pursue aggressive legal action to protect my rights, seek appropriate compensation for the damages inflicted by this inaccurate reporting, and hold both " XXXX XXXX XXXX '' and TransUnion accountable for their complicity in perpetuating this fraudulent account on my credit report. 

Enclosed with this letter, you will find copies of the supporting documentation, including the evidence of disparities in assignment dates, account opening dates, reported balances, and the unlawful practice of continuous interest reporting, further substantiating the falsification and illegitimacy of the " XXXX XXXX XXXX '' account. 

I hereby demand a prompt written response within 15 days from the date of this letter, confirming the initiation of an immediate and comprehensive investigation, the removal of the fraudulent " XXXX XXXX XXXX '' account from my credit report, and the implementation of measures to prevent the reoccurrence of such fraudulent reporting practices. 

Please be advised that I have retained legal counsel and am in the process of pursuing legal action against both " XXXX XXXX XXXX '' and TransUnion. This is a matter I take with utmost seriousness, and I will not hesitate to exercise my rights and seek appropriate remedies through the judicial system. 

I expect strict compliance with the law, the restoration of my accurate credit profile, and the preservation of the integrity of the credit reporting system. 

Sincerely, 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