Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX XXXX Experian/ XXXX Has Failed to report Accurate Information to my Credit Report Collections, credit cards : 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private that's posted on your consumer report is a violation. Infringed upon my right of privacy In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 16810 Civil liabilities for negligent noncompliance Your Investigation Results INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed items ) was verified as accurate ; however, other information has also changed. 
XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXX TN XXXX, ( XXXX ) XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated; Original Creditor ; Remarks. Here is how this account appears on your credit report following our investigation. 
Placed for collection : XX/XX/XXXX Balance : Responsibility : Individual Account Date Updated : Account Type : Open Account Original Amount : Loan TypXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX ) Past Due : XXXX $ XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX Pay Status : >In Collection< XXXX  XXXX XXXX potentially negative months {$1400.00} Closed Account info Account name XXXX  XXXX Account number XXXX Original creditor - Company sold - Account type Unsecured Loan Date opened XX/XX/XXXX Open/closed Closed Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Balance {$1400.00} Balance updated XX/XX/XXXX Original balance {$4000.00} Monthly payment - Past due amount {$1400.00} Highest balance - Terms 6 Months Responsibility Individual Your statement All Three Bureaus have Failed to comply with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures. 

Also Failed to report Accurate Information about the late payments that have been reporting on my credit report. Due Under The Cares Act XXXX XXXX BANK XXXX XXXX XXXX payment {$1000.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Balance updated XX/XX/XXXX Account info Account name XXXX  XXXX Account number XXXX Please Investigate these accounts Under the Method of XXXX XXXX 15 U.S.C 1681i ( 7 ) As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 us. ( 6 ) By- a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number for that description.

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 16810 Civil liability for negligent noncompliance

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