Consumer complaint received 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ive tried reaching out to the credit bureaus XXXX Transunion and XXXX. I have a few inquiries on my consumer report that should be removed, Below I've put a list for each bureau and the inquiries Transunion 1.Validate Account XXXX Account Number : I need to see all bank transaction that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment 2.Validate Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 3.Validate Account XXXX XXXX Account Number : Please Update all payment, all pay was made on time. 
4.Validate Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 5.Validate Account XXXX Account Number : My parent has the same name as me. 
6.Validate Account XXXX XXXX Account Number : THIS CONTRACT IS CANCELED 7.Validate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 8.Validate Account XXXX XXXX Account Number : Please Update all payment, all pay was made on time. 
9.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. 

The items below should all be removed from my consumer report under 15 US Code ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX 1.Validate Account XXXX XXXX XXXX XXXX  Account Number : Please ensure that all information is accurate 2.Validate Account XXXX XXXX XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 3.Validate Account XXXX XXXX XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4.Validate Account XXXX XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5.Validate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 6.Validate Account XXXX Account Number : My parent has the same name as me. 
7.Validate Account XXXX Account Number : THIS CONTRACT IS CANCELED 8.Validate Account XXXX XXXX XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 
9.Validate Account XXXX XXXX XXXX Account Number : Please supply information on how you have verified this item. 
10.Validate Account XXXX Account Number : Please removed from my public record 11.Validate Account XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
12.Validate Account XXXX XXXX XXXX  Account Number : I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment 13.Validate Account XXXX XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 14.Validate Account XXXX Account Number : THIS CONTRACT IS CANCELED 15.Validate Account XXXX Account Number : Please investigate and delete from my credit report. 
16.Validate Account XXXX XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 17.Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 
18.Validate Account XXXX Account Number : My parent has the same name as me. 
19.Validate Account XXXX XXXX XXXX Account Number : I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment XXXX 1.Validate Account XXXX XXXX XXXX Account Number : Please Update all payment, all pay was made on time. 
2.Validate Account XXXX XXXX XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 
3.Validate Account XXXX Account Number : This is not mine. 
4.Validate Account XXXX Account Number : Please removed from my public record 5.Validate Account XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 6.Validate Account XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

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 explanation