Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Your Name : XXXX XXXX XXXX Your Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, NV XXXX Email : XXXX Phone Number : XXXX Employer : XXXX. XXXX XXXX Date : XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Paid Account under FCRA and TILA Account Name : XXXX, XXXX ( Revolving ) Account Number : [ Insert Account Number ] Balance : {$780.00} ( Paid in Full ) Dear Sir/Madam, I am writing to dispute the reporting of the above-referenced account on my credit reports across all major credit bureaus. The account with XXXX XXXX XXXX has been paid in full, yet the account is not being reported accurately by all bureaus, which is negatively affecting my credit profile. 
Legal Grounds for Dispute : Inaccurate Reporting - FCRA Violation ( 15 U.S.C. 1681 ) : Under the Fair Credit Reporting Act ( FCRA ), credit bureaus
are required to maintain accurate and fair reporting of credit information. Despite this, the account with XXXX XXXX XXXX is still showing discrepancies across different credit bureaus. As the debt has been settled and there are inconsistencies in the reporting, this violates my rights under the FCRA, and I demand the account be removed or updated immediately. 

Creditor Definition - TILA Violation ( 15 U.S.C. 1602 ( i ) ) : Under the Truth in Lending Act ( TILA ), a " creditor '' is defined as an entity that extends consumer credit and to whom the debt is payable. Since XXXX XXXX XXXX is no longer a creditor in relation to this account and the balance has been fully paid, the account should either reflect its paid status or be removed entirely. 

Actions Requested : Immediate Investigation and Removal : I request an investigation into this account as per FCRA regulations. Given the inconsistencies and the fact that the debt has been paid in full, I am requesting the complete removal of the account from my credit reports across all bureaus. 

Correction or Deletion : If the inaccuracies can not be verified, I request that this account be deleted from my reports entirely or updated to reflect its " Paid in Full '' status across all bureaus. 

Written Confirmation : Please provide written confirmation that this account has been removed or updated across XXXX, XXXX, and TransUnion once the investigation is complete. 

I expect this matter to be resolved within the 30-day period as outlined under FCRA regulations . If no action is taken within this period, I will pursue further actions to enforce my rights under the law. 

Thank you for your attention to this matter. I look forward to your prompt response confirming the correction or removal of this account. 

Sincerely, 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