Consumer complaint received 2021-12-01
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 information incorrect

Complaint:
I, XXXX XXXX, am a natural person and federally protected consumer. I authorize the consumer reporting agency, TRANSUNION, LLC, and the CFPB to move forward with this complaint. PLEASE SEE ATTACHED COPY OF CONSUMER REPORT. Please delete from my consumer report and file the address as I do not live at XXXX XXXX XXXX XXXX, XXXX XXXX. TRANSUNION, LLC claims to have verified and updated these alleged accounts. This complaint is a demand for deletion of the following accounts from my consumer report and file for failure to report 100 % accurate information about me pursuant to 15 USC 1681e ( b ). 

1. US DEPT OF EDUCATION # XXXX with alleged balance of {$5800.00} opened XX/XX/XXXX a. It is a fact that the alleged accounts are inaccurate because the reporting is incomplete. The alleged account shows opened XX/XX/XXXX, but does not show a reporting until XX/XX/XXXX. 
b. It is a fact that the alleged amount of debt being reported on these alleged accounts are not correct therefore it is inaccurate. 
c. It is a fact that the alleged account states that it is in collection without ever being late. An account has to be late 120 days or more before it can go into collections ; therefore, if I was never late how can it be reported in collection. This would constitute these accounts being reported inaccurate as well. 

2. US DEPT OF EDUCATION # XXXX with alleged balance of {$2300.00} opened XX/XX/XXXX a. It is a fact that the alleged accounts are inaccurate because the reporting is incomplete. The alleged account shows opened XX/XX/XXXX, but does not show a reporting until XX/XX/XXXX. 
b. It is a fact that the alleged amount of debt being reported on these alleged accounts are not correct therefore it is inaccurate. 
c. It is a fact that the alleged account states that it is in collection without ever being late. An account has to be late 120 days or more before it can go into collections ; therefore, if I was never late how can it be reported in collection. This would constitute these accounts being reported inaccurate as well. 

3. US DEPT OF EDUCATION # XXXX with alleged balance of {$2200.00} opened XX/XX/XXXX a. It is a fact that the alleged accounts are inaccurate because the reporting is incomplete. The alleged account shows opened XX/XX/XXXX, but does not show a reporting until XX/XX/XXXX. The reporting states unknown from XX/XX/XXXX until XX/XX/XXXX then reports in collection. 
b. It is a fact that the alleged amount of debt being reported on these alleged accounts are not correct therefore it is inaccurate. 
c. It is a fact that the alleged account states that it is in collection without ever being late. An account has to be late 120 days or more before it can go into collections ; therefore, if I was never late how can it be reported in collection. This would constitute these accounts being reported inaccurate as well. 

4. US DEPT OF EDUCATION  # XXXX with alleged balance of {$5600.00} opened XX/XX/XXXX a. It is a fact that the alleged amount of debt being reported on these alleged accounts are not correct therefore it is inaccurate. 
b. It is a fact that the alleged account states that it is in collection without ever being late. An account has to be late 120 days or more before it can go into collections ; therefore, if I was never late how can it be reported in collection. This would constitute these accounts being reported inaccurate as well. 

5. US DEPT OF EDUCATION # XXXX with alleged balance of {$5700.00} opened XX/XX/XXXX a. It is a fact that the alleged accounts are inaccurate because the reporting is incomplete. The alleged account shows opened XX/XX/XXXX, but does not show a reporting until XX/XX/XXXX. 
b. It is a fact that the alleged amount of debt being reported on these alleged accounts are not correct therefore it is inaccurate. 
c. It is a fact that the alleged account states that it is in collection without ever being late. An account has to be late XXXX  days or more before it can go into collections ; therefore, if I was never late how can it be reported in collection. This would constitute these accounts being reported inaccurate as well. 

6. US DEPT OF EDUCATION # XXXX with alleged balance of {$2400.00} opened XX/XX/XXXX a. It is a fact that the alleged accounts are inaccurate because the reporting is incomplete. The alleged account shows opened XX/XX/XXXX, but does not show a reporting until XX/XX/XXXX. 
b. It is a fact that the alleged amount of debt being reported on these alleged accounts are not correct therefore it is inaccurate. 
c. It is a fact that the alleged account states that it is in collection without ever being late. An account has to be late 120 days or more before it can go into collections ; therefore, if I was never late how can it be reported in collection. This would constitute these accounts being reported inaccurate as well. 

Failure to comply with my demands for deletion due to your inaccurate reporting will result in seeking remedy for actual damages pursuant to 15 USC 1681o and 15 USC 1681n for willful and negligent noncompliance as I am informing you of the inaccuracy of your 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 non-monetary relief