Consumer complaint received 2024-12-30 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: NJ

Complaint narrative:
I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter.

Potential Inaccuracies and Issues : 1. Chargeoff with {$0.00} Balance : o The account is marked as Collection/Chargeoff, but the balance is {$0.00}. This is inconsistent with the high credit of {$2400.00} and requires clarification.

2. Account Transferred or Sold : o The comment indicates the account was transferred or sold, but no information is provided about the new creditor or details of the transfer. This makes the report incomplete.

3. Payment History Inconsistency : o The two-year payment history is marked as OK for all months, even though the account status is listed as derogatory and charged off. This is contradictory and inaccurate. 
4. Future Reporting Date : o The " Last Reported '' date is XX/XX/XXXX, which violates the FCRA 's requirement for timely and accurate reporting. 
5. Missing Information : o XXXX and TransUnion : The details for these bureaus are incomplete or missing entirely, which makes the report inconsistent across bureaus. 



XXXX XXXX XXXX XXXXXXXX Potential Inaccuracies : 1. Chargeoff Status with {$0.00} Balance : o The account is listed as Charged off as bad debt with a {$0.00} balance. If the account was charged off, there should typically be a balance or further clarification on the transfer or resolution.

2. Missing Information on Transfer : o The comment Purchased by another lender lacks details. The new lender or purchaser should be listed, and this must be clarified in the account report.

3. Credit Limit Reporting : o A credit limit of {$0.00} is inconsistent with the reported high credit of {$5000.00}. This discrepancy may indicate inaccurate or incomplete data.

4. Future Reporting Dates : o The " Last Reported '' date is XX/XX/XXXX, which is acceptable, but discrepancies in other accounts often show future dates that need careful review. 
XXXX. Incomplete Payment History : o The two-year payment history is blank, even though the account was open and reported as active until XX/XX/XXXX. This incomplete reporting violates FCRA Section 607 ( b ), which mandates accurate and complete information.

Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted.

2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement.

3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years.

4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.

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