Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) is a federal law that governs how a credit reporting agency ( CRA ) handles your credit information. It's designed to protect the integrity and privacy of your credit information. The FCRA requires credit reporting agenciesand the entities that report your credit information to them and othersto ensure that your information is fair and accurate, and kept private. The FCRA protects your right to access and correct any inaccuracies in your credit report and provides you with remedies if a credit reporting agency or information furnisher violates your rights.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Trans Union Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Trans Union Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Trans Union Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The student loans are inaccurate on my account from XXXX. The documents that will be attached and highlighted from XXXX, XXXX, and Trans Union shows that I made payments on one account for a certain time, and on the other account it shows that I have not made payments. This information is inaccurate and XXXX, XXXX, and Trans Union has violated my rights on numerous occasions. I have not made any payments due to the payments not starting until 2028 ( 10 years ). 

The President of The United States, Joe Biden, also announced student-loan relief for borrowers.

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