Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, California XXXX To Whom It May Concern : I recently reviewed my Transunion credit profile and again noticed inaccuracies and/or incomplete information, and I recognize that these accounts remain inaccurate and continue to contain different information in each credit bureau, in spite of several previous requests for deletion. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be appropriately verified. It is also my understanding that Under the FCRA 15 U.S.C & 1681i, each account even any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account must be promptly negated in its entirety or the alleged account must be completely deleted. Further, in your previous responses, you verified that inaccurate information was removed from my credit profile pursuant to Heath v. Trans Union ( XXXX ), in violation of the Equal Credit Opportunity Act, Schoenberg v. TransUnion ( XXXX ), in violation of the Fair Credit Reporting Act, Spangler v. TransUnion Rental Screening Solutions ( XXXX ), in violation of the Fair Debt Collection Practices Act, and The CFPB Penalty ( XXXX ), in violation of the Grahm-Leach-Bliley Act. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion of this derogatory account or provide testimony and certification that you are adhering to mandated data formatted reporting standards according to current Federal regulations. The following derogatory accounts and allegations are either untrue, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately. 
Summary of the Accounts being challenged in list form : XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX - XXXX XXXX XXXX Account # : XXXX XXXX Account XXXX XXXX Revolving Account Status XXXX Derogatory Credit Limit : XXXX {$2000.00} Date Opened XXXX XX/XX/XXXX Payment Status XXXX Collection/Chargeoff Monthly Payment Amount XXXX {$210.00} Balance Owed XXXX {$0.00} Term Length XXXX -- High Credit XXXX {$2200.00} Past Due amount XXXX {$0.00} Date Reported - XX/XX/XXXX Creditor Remarks XXXX Paid charge off Accounts closed by credit grantor Date of Last Activity XXXX XX/XX/XXXX Last Payment XXXX XX/XX/XXXX Description : Paid charge off Accounts closed by credit grantor Creditor Type - Individual 2 Year Payment History [ '', XXXX ', XXXX ', XXXX ', XXXX ', XXXX ', '', XXXX ', XXXX ', XXXX ', XXXX ', XXXX ', XXXX ', XXXX ', XXXX ', XXXX ', XXXX ', XXXX ', '', XXXX ', XXXX ', XXXX ', XXXX ', XXXX ' ] Also, see the image above for XXXX ( XXXX ) XXXX ( XXXX ). 

XXXX XXXX XXXX # XXXX COLLECTION ACCT Ive highlighted areas of concern. I was looking at Account Type ( XXXX ) expressing Revolving. The information on these accounts appears to be inaccurate or inconsistent with established reporting standards of the CDIA and all other credit bureaus. I would like you to review it again so that my accounts can be 100 % accurate! Lets examine Payment Status ( XXXX ) showing Collection/Chargeoff. Metro 2 requires that all reported information be accurate and up-to-date. It's clear there have been some errors in these accounts, as indicated by several changes you made since my last communication, which calls into question the integrity of everything else reported here! I was looking at the Last Reported ( - ) expressing XX/XX/XXXX. The information on these accounts are still inaccurate or inconsistent with established reporting standards of the CDIA. Again, I would like you to review them once more and explain how the information was verified so that the accounts can be made 100 % accurate and an updated report be sent to me immediately. 

Please see the attached invoice! 

Sincerely, XXXX XXXX Please send your written response to my address : XXXX XXXX. XXXX  XXXX XXXX XXXX, California XXXX

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