Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I AM A FEDERALLY PROTECTED CONSUMER WITH FEDERAL PROTECTION RIGHTS. THIS IS THE 4TH TIME MAKING A COMPLAINT AGAINST TRANSUNION. IM CHALLENGING TRANSUNIONS REPORTING IT IS IN VIOLATIONS OF THE FCRA. THE FEDERAL CONSUMER REPORTING ACT ( FCRA ) HAS CONSUMER PROTECTION LAWS THAT WERE CREATED TO PROTECT ME THE CONSUMER. BY ALLOWING THESE ITEMS TO BE REPORTING ON MY CONSUMER REPORT TRANSUNION IS DAMAGING AND RUINING MY CONSUMER REPORT AND STOPPING ME FROM OBTAINING A HOME LOAN. THE FCRA GUARANTEES THAT I AM TO HAVE A FAIR, SUITABLE, ACCURATE, TO ME CONSUMER REPORT. I'M LISTING THE FCRA LAWS TRANSUNION IS BEING ALLOWED TO BE IN NON COMPLIANCE AGAINST ME AND MY CONSUMER REPORT. 15 USC 1681s2 ( B ), 15 USC 1666B, FTC GRAMM LEECH BLILEY ACT ,15 USC 1681B ( 2 ). TRANSUNION NEEDS TO COMPLY THE FCRA BY DELETING THESE ITEMS BEING INACURATELY BEING REPORTED ON MY CONSUMER REPORT. XXXX XXXX XXXX XXXX XXXX ACCT # XXXX IS REPORTING ( TWICE ) ON MY CONSUMER REPORT WHICH IS OBVIOUSLY INCORRECT AND INACCURATE I DONT HAVE 2 XXXX ACCOUNTS DELETE THESE ACCOUNTS NOW.THE INACCURATE REPORTING IS DOUBLING MY CREDIT UTILIZATION USAGE WHICH IS DAMAGING, AND FALSE. AND BASED ON IRS REGULATIONS 26 CFR 1.6050P-I ON CHARGE OFFS THESE ACCOUNTS I LIST ARE CHARGED OFF ACCOUNTS PROFIT LOSS WRITE OFFS AND CONSIDERED GROSS INCOME ON XXXX99 IRS FORMS GROSS INCOME TO ME AND SINCE GROSS INCOME SHOULD NOT BE REPORTED ON A CONSUMER REPORT ACCORDING TO THE FCRA DELETE THESE CHARGED OFF ACCOUNTS THEY ARE INCORRECTLY, INACCURATELY, BEING FACTORED IN MY REVOLING CREDIT UTILAZATION USAGE THEREFORE HURTING MY FICO SCORE WHICH IS FALSE, MISLEADING, AND DAMAGING MUST BE DELETED ACCORDING TO THE FCRA. DELETE XXXX XXXX ACCT # XXXX, DELETE GXXXX XXXX ACCT # XXXX, DELETE XXXX XXXX XXXX ACCT # XXXX DELETE XXXX XXXX XXXX XXXX, DELETE XXXX ACCT # XXXX XXXX DELETE THESE CHARGED OFF ACCOUNTS BASED ON THESE FURNISHERS RECIEVED TAX WRITE OFFS SENT TO THE IRS 1099 WHICH ARE FORMS FOR TAXABLE GROSS INCOME FOR ME THE CONSUMER. THE FURNISHERS ACCOUNTING BOOKS ARE CLEARED SHOWING A BALANCE XXXX. THESE FURNISHERS ALSO RECIEVED DEFAULT INSURANCE PAYMENTS AND FOR THE FURNISHERS TO KEEP INCORRECTLY, INACCUARETELY, REPORTING THIS ON MY CONSUMER REPORT SHOWS THERE ATTEMPTING TO " GET DOUBLE ENRICHMENT PAYMENTS " WHICH IS UNFAIR, UNLAWFUL. I have ASKED FOR RE-INVESTIGATIONS ON ALL these issues ( 3 ) times prior and have CFPB DISPUTES ON RECORD SHOWING " verified " but AFTER SHOWING THE FCRA LAWS BEING VIOLATED AND NOT COMPLIED WITH ACCORDING TO THE FCRA. HOW CAN TRANSUNION BOLDLY KEEP BEING ALLOWED TO REPORT THIS? FCRA CONSUMER LAWS I LISTED ARE ALL GROUNDS FOR IMMEDIATE DELETIONS FROM MY CONSUMER REPORT. BECAUSE TRANSUNION WILL NOT COMPLY TO THE FCRA CONSUMER REPORTING LAWS. I NEED THE CFPB TO STEP IN POLICE, AND ENFORCE, SUPERVISE, AND HOLD TRANSUNION ACCOUNTABLE TO THE FCRA CONSUMER LAWS ESTABLISHED BY US CONGRESS. AGAIN THESE ARE THE FCRA VIOLATIONS TRANSUNION IS GUILTY OF VIOLAGTING IN THERE REPORTING. 15 USC 1681i, 15 USC 1681s2 ( B ) ,15 USC 1681C -2,15 USC 1666B. DELETE THE ITEMS I LISTED ABOVE TRANSUNION MUST COMPLY WITH THE FCRA ITS FEDERAL LAW.

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