Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights by reporting an inaccurate false account to Transunion credit bureau. I have no open account with XXXX XXXX XXXX, nor have I ever done business with XXXX XXXX XXXX and/or any business it may be representing. XXXX XXXX XXXX recently reported that an account was opened on XXXXXXXX XXXX XXXX, with XXXX as the original creditor. I have had no communications with XXXX XXXX XXXX and/or XXXX before its reporting of said inaccurate false account to the credit bureau in the amount of {$150.00}. I have called XXXX seeking information regarding said account with XXXX XXXX XXXX. XXXX has stated to me that because XXXXXXXX XXXX XXXXXXXX does not have an account number listed on the credit bureau report and because my identifying information and/or my name is not in its system it can not help me in finding out why XXXXXXXX XXXX XXXX  is reporting an inaccurate false account to the credit bureau XXXX XXXX XXXX XXXX has violated my rights under the following codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations A debt collector may use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( XXXX ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. XXXX XXXX XXXX has violated my rights by continuously reporting an inaccurate collection account to Transunion credit bureau. 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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