Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13075333

Complaint Overview

Complaint ID: 13075333

Company: Transunion Intermediate Holdings, INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Incorrect information on your report

Sub-Issue: Information belongs to someone else

State: New York

ZIP Code: XXXXX

Date Received: 2025-04-19T12:00:00-05:00

Date Sent to Company: 2025-04-19T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Subject : Demand for Immediate Correction and Deletion of Inaccurate Collection Account I am writing to formally dispute a fraudulent and inaccurate collection account reported by XXXX XXXX on my credit report, which is severely impacting my ability to proceed with a car purchase. This erroneous account indicates an incorrect debt of {$160.00} that I do not owe. I have no knowledge of this debt, nor have I given any authorization or acceptance of it. To address this fraudulent activity, I have filed a report with the Federal Trade Commission ( FTC ). The FTC has advised that such claims should be immediately ceased and desisted unless proper verification can substantiate the debt as mine. Under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681i ( a ) ( 7 ), you are required to provide a method of verification. To date, this account has been reported without providing such verification, resulting in a violation of my rights as a consumer. Furthermore, this reporting violates 15 U.S.C. 1681e ( b ), which mandates credit reporting agencies to follow reasoned procedures to ensure the maximum possible accuracy of consumer reports. The inaccuracies in reporting this collection account on both my TransUnion and Equifax reports highlight a disregard for these requirements. I have also communicated directly with the debt collector, requesting evidence of this alleged debt. Specifically, I asked for documentation such as the original application bearing my wet signature, supporting the legitimacy of this debt. XXXX XXXX has failed to provide the requested documentation. This inability to provide proof indicates the reporting of a fictitious account. In light of these significant errors and lack of verification, I am formally demanding the immediate blockage and deletion of this collection account from my credit reports. This action is not just a requestit 's a rightful demand for fairness and accuracy mandated by federal law. I expect confirmation of these changes within the five business days stipulated by the Fair Credit Reporting Act, along with a revised copy of my credit report reflecting these corrections. Thank you for your prompt attention to this urgent matter. Failure to adhere to this demand may result in further legal action, including complaints with appropriate consumer protection agencies, to ensure compliance and protection of my consumer rights. Sincerely,

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