Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXXXXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$4200.00}. Every bureau is reporting a different date of last activity for this account. Stop reporting for FRCA non-compliance of inaccurate data furnished on my credit report.. please delete immediately XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXXXXXX XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$400.00}. Every bureau is reporting a different date of last activity for this account. Stop reporting for FRCA non-compliance of inaccurate data furnished on my credit report.. please delete immediately XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. Every bureau is reporting a different date of last activity for this account. Stop reporting for FRCA non-compliance of inaccurate data furnished on my credit report.. please delete immediately XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Every bureau is reporting a different date of last activity for this account. Stop reporting for FRCA non-compliance of inaccurate data furnished on my credit report.. please delete immediately Collection account from XXXX XXXX with account # XXXX and a balance of {$1100.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. I have not supplied proof under the doctrine of estopper by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt in fact therefore exists Collection account from XXXX XXXX with account # XXXX and a balance of {$1100.00}. The original creditor is XXXX XXXX XXXX I have not supplied proof under the doctrine of estopper by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt in fact therefore exists Collection account from XXXX XXXX with account # XXXX and a balance of {$440.00}. The original creditor is XXXX XXXX. I have not supplied proof under the doctrine of estopper by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt in fact therefore exists Collection account from XXXXXXXX XXXX with account # XXXX and a balance of {$990.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have not supplied proof under the doctrine of estopper by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt in fact therefore exists Collection account from XXXX XXXX with account # XXXX and a balance of {$1300.00}. The original creditor is XXXX. I have not supplied proof under the doctrine of estopper by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt in fact therefore exists Collection account from XXXX XXXX with account # XXXX and a balance of {$830.00}. The original creditor is XXXX XXXX I have not supplied proof under the doctrine of estopper by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt in fact therefore exists Inquiry from XXXX XXXXXXXX XXXX I on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XXXXThere are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

Company response to consumer: In progress