Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
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. 

Below I have attached all three credit bureau accounts that are reporting inaccurate and negative information which prevents me from purchasing a home. 

XXXX XXXX XXXX  ( XXXX ) disputed on XX/XX/2023 XXXX ( XXXX ) 5 Late Payment Deleted XXXX XXXX XXXX XXXX XXXX XXXX ) 3 Late Payment Inaccurate/incomplete XXXX XXXX ( XXXX ) 2 Late Payment Inaccurate/incomplete Revvi/MRV Banks ( XXXX ) XXXX XXXX XXXX XXXX 5 Late Payment Inaccurate/incomplete 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 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 ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) 5 Late Payment Inaccurate/incomplete 5 Late Payment Inaccurate/incomplete 5 Late Payment Inaccurate/incomplete 5 Late Payment Inaccurate/incomplete Item disputed on XX/XX/2023 5 Late Payment Inaccurate/incomplete Item disputed on XX/XX/2023 5 Late Payment Inaccurate/incomnlete < 5 Late Payment Inaccurate/incomplete 5 Late Payment Inaccurate/incomplete 5 Late Payment Inaccurate/incomplete 5 Late Payment Inaccurate/incomplete 5 Late Payment Inaccurate/incomplete 5 Late Payment Inaccurate/incomplete 5 Late Payment Inaccurate/incomplete _ Item disputed on XX/XX/2023 5 Late Payment Inaccurate/incomplete 5 Late Payment Inaccurate/incomplete L Item disputed on XX/XX/2023 5 Late Payment Inaccurate/incomplete 2 Late Payment Inaccurate/incomplete 5 Late Payment Inaccurate/incomplete 5 Late Payment Inaccurate/incomplete 5 Late Payment Inaccurate/incomplete Item disputed on XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) 3 Late Payment Inaccurate/incomplete Item disputed on XX/XX/2023 3 Late Payment Inaccurate/incomplete Collection Inaccurate incomplete XXXX XXXX XXXX XX/XX/2023 XXXX ( XXXX ) Inquiry XXXX XXXX ( XXXX ) Collection XXXX XXXX XXXX ( XXXX ) Collection XXXX ( XXXX ) Collection XXXX XXXX ( XXXX ) Collection XXXX XXXX ( XXXX ) Collection Item disputed on XX/XX/2023 XXXX XXXX ( XXXX ) Collection Item disputed on XX/XX/2023 XXXX XXXX ( XXXX ) Collection Item disputed on XX/XX/2023 XXXX XXXX  ( XXXX ) Collection XXXX ( XXXX ) 4 Late Payment XXXX ( XXXX ) 5 Late XXXX XXXX XXXX XXXX ) 5 Late Payment XXXX XXXX XXXX XXXX ) 3 Late Payment XXXX XXXX ( XXXX ) Charge Off XXXX XXXX ( XXXX ) Charge Off XXXX XXXX ( XXXX ) Charge Off XXXX XXXX  ( XXXX ) Charge Off Item disputed on XX/XX/2023 XXXX XXXX XXXX ( XXXX ) 3 Late Payment Item disputed on XX/XX/2023 XXXX XXXX  ( XXXX ) 2 Late Payment XXXX XXXX ( XXXX ) 4 Late Payment XXXX XXXX ( XXXX ) 4 Late Payment XXXX XXXX ( XXXX ) 2 Late Payment XXXX XXXX XXXX ( XXXX ) 3 Late Payment XXXX XXXX XXXX ( XXXX ) 3 Late Payment XXXX XXXX ( XXXX ) 4 Late Payment XXXX XXXX XXXX XXXX ) 3 Late PaymentXX/XX/XXXX ( XXXX ) Collection Item disputed on XX/XX/2023 XXXX XXXX ( XXXX ) Collection Deleted XXXX XXXX ( XXXX ) Collection XXXX XXXX XXXX XXXX ) Collection XXXX XXXX ( XXXX ) Collection XXXX XXXX  ( XXXX ) Collection XXXX XXXX ( XXXX ) Collection XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX  XXXX XXXX ( XXXX ) Charge Off XXXX ( XXXX ) 5 Late Payment XXXX ( XXXX ) 5 Late Payment Item disputed on XX/XX/2023 XXXX XXXX XXXX XXXX ( XXXX ) 5 Late Payment XXXX XXXX ( XXXX ) 4 Late Payment Item disputed on XX/XX/2023 XXXX XXXX XXXX XXXX Charge Off XXXX ( XXXX XXXX Charge Off XXXX XXXX ( XXXX ) Charge Off XXXX XXXX ( XXXX ) 2 Late Payment XXXX XXXX XXXX ( XXXX ) 3 Late Payment XXXX XXXX XXXX ( XXXX ) 5 Late Payment XXXX XXXX XXXX ( XXXX ) 5 Late Payment XXXX XXXX XXXX ( XXXX ) 5 Late Payment XXXX XXXX XXXX ( XXXX ) 5 Late Payment XXXX XXXX XXXX ( XXXX ) 5 Late Payment Item disputed on XX/XX/2023 XXXX XXXX XXXX ( XXXX ) 5 Late Payment XXXX XXXX XXXX ( XXXX ) 5 Late Payment Item disputed on XX/XX/2023 XXXX XXXX XXXX ( XXXX ) 5 Late Payment XXXX XXXX XXXX ( XXXX ) 5 Late Payment XXXX XXXX XXXX XXXX XXXX ) 5 Late Payment XXXX XXXX XXXX XXXX XXXX XXXX 5 Late Payment XXXX  XXXX XXXX XXXX XXXX XXXX 5 Late Payment Fed XXXX XXXX XXXX XXXX XXXX 5 Late Payment XXXX XXXX XXXX XXXX XXXX XXXX 5 Late Payment XXXX XXXX XXXX ( XXXX ) 5 Late Payment XXXX XXXX ( XXXX ) 5 Late Payment XXXX XXXX XXXX  ( XXXX ) 5 Late Payment XXXX XXXX XXXX XXXX XXXX ) 5 Late Payment XXXX XXXX XXXX XXXX XXXX Collection XXXX  XXXX ( XXXX XXXX 3 Late Payment XXXX XXXX XXXX  ( XXXX XXXX Charge Off Item disputed on XX/XX/2023 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 4 Late Payment XXXX XXXX XXXX  XXXX XXXX XXXX 3 Late Payment Item disputed on XX/XX/2023 XXXX XXXX ( XXXX ) Settlement Accepted XXXX XXXX ( XXXX ) 4 Late Payment The inaccurate late payments has violated my 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

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