Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This notice is to inform you that there are unlawful late payments being reported on my consumer report. TransUnioin has allowed the following companies to report this illegal act : XXXX XXXX XXXX Account # XXXX XXXX # XXXXXXXX XXXX XXXX  XXXX The following law states what should be listed in consumer reports. 
Pursuant 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for My rights as it relates to what is addressed on my consumer report are clearly outlined in the above paragraph. These rights are not being acknowledged by Transunion the consumer reporting agency that is reporting my consumer report.

The following law states what should be excluded from consumer reports.

Pursuant 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
The aforementioned law states that my consumer report should exclude the following : transactions or experiences between myself and the person making the report. 
Credit transaction means a transaction between a natural person and a creditor in which real or personal property, services or money acquired on credit and the person 's obligation is payable in installment. 

Currently these very rights are being violated in the form of what is described as Late Payments, and Payment after charge off/collection.

Pursuant 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
I request that the accounts listed : XXXX XXXX XXXX Account # XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX *Be changed to a status of Paid as agreed or Okay. * You XXXX have aided in the illegal reporting of late payments on my consumer report. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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