Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is in reference to : XXXX Where TransUnion responded XXXX After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through XXXX mail. You should expect to receive those results in approximately XXXX business days. 

DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  First of all, This agency is in violation of 15 USC 51692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt.

Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted The reporting of these account ( s ) is/are violations of 15 USC {$1600.00}, and the Fair Credit Reporting Act [ 15 USC 51681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 51602 ( g ), " credit card '' is d following : This makes your social security card, driver 's license/ID, and license plate credit cards ti used ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " " does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirect/ issuer of a credit card or similar device ; The term " credit card '' means any card, plate, coupon book or other credit device existing or the purpose of obtaining money, property, labor, or services on credit.

for the extension of credit.

Also after disputing multiple times and being told they had finished their investigation and carefully reviewed I found multiple inaccuracies totaling in : {$19000.00}.

I am not asking for you to update accounts yet delete all this bogus information asap and pay me for my damages. Also attaching screen shots from Transuinon.com I demand payment immediately, or I will sue TransUnion, not to mention suing for being denied credit for something thats isnt even true or correct Here I come with multiple violations seeking monetary relief : XXXX XXXX : A charged off account can not show a past due balance TransUnion XXXX reporting {$1200.00}, payment history reporting inaccurate times 2 Delete asap and please pay me {$3000.00} in violations XXXX XXXX XXXXXXXX XXXX A charged off account can not show a past due balance TransUnion is reporting {$1800.00}, payment history reporting inaccurate times 2 Delete asap and please pay me {$3000.00} in violations XXXX XXXX  : A charged off account can not show a past due balance TransUnion XXXX reporting {$820.00}, payment XXXX XXXX XXXX XXXX XXXX Delete asap and please pay me {$3000.00} in violations XXXX XXXX  : A charged off account can not show a past due balance TransUnion XXXX reporting {$450.00} payment history reporting inaccurate times XXXX Delete asap and please pay me {$5000.00} in violations XXXX XXXX : is reporting inaccurate payment history, you can not report 0 days late XXXX month and XXXX the month after. 
Delete asap and please pay me {$1000.00} in violations XXXX XXXX : Is reporting I was 60 days late and payment history is reporting otherwise. 
Delete asap and payment {$2000.00} in violations XXXX : A collection account XXXX not report a past due balance, Transunion is reporting {$510.00} XXXX  : A collection account XXXX not report a past due balance, Transunion is reporting {$290.00}

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 explanation