Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After pulling a copy of my Consumer credit report I noticed that the credit reporting agency, Trans Union, is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph. ( A ) ( I ) a statement that the reinvestigation is completed.

The items below should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and the reporting agency has failed to comply. 

XXXX  XXXX - XX/XX/XXXX - This inquiry was not authorized - As a consumer by law, this needs to be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - As a consumer by law, this needs to be DELETED immediately. 

XXXX XXXX XXXX XXXX  - This inquiry was not authorized - As a consumer by law, this needs to be DELETED immediately. 

XXXX - XX/XX/XXXX - This inquiry was not authorized - As a consumer by law, this needs to be DELETED immediately. 

XXXX XXXX XXXX  - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account - Update to paid as agreed XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account - Update to paid as agreed XXXX XXXX XXXX - Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. - Update to paid as agreed XXXX XXXXXXXX - Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. - Update to paid as agreed XXXX XXXX XXXX XXXX Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account - Update to paid as agreed XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX  - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX XXXX Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXXXXXX XXXX  - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX XXXX  - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX  - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXXXXXX XXXX XXXX Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.

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