Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
You're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required FCRAXXXX XXXX compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 
XXXX XXXX  XXXX Late Payment {$100000.00} XXXX XXXXXXXX XXXX Late Payment {$760.00} XXXX XXXX Late Payment {$0.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$660.00} XXXX XXXX Late Payment {$590.00} XXXX XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXXXXXX Late Payment {$740.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX XXXX XXXX Collection {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$710.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$14000.00} XXXX XXXX XXXX XXXX XXXX Collection {$14000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$1300.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX XXXX Charge-off {$2200.00} XXXX XXXX Charge-off {$0.00} XXXX XXXX XXXX Charge-off {$24000.00} XXXX  XXXX Charge-off {$3000.00} XXXX XXXX Charge-off {$580.00} XXXX  XXXX Charge-off {$0.00} XXXX XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXXXXXX Charge-off {$400.00} XXXX XXXX Charge-off {$0.00} XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXXXXXX Charge-off {$0.00} Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

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