Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
According to my consumer report I received dated XX/XX/2023 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Transunion such authority. In accordance with 15 USC 1681a ( 4 ), I have the right to privacy by furnishing transactions between I the consumer and the furnisher which is a violation 15 USC 1681a ( 2 ) ( A ) ( i ).

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( iii ) - the consumer must be given a hcnace to direct the information whether they want the information about a transaction to be reported or not. This is referenced to the Gramm Leach Bliley Act. I was not given that opportunity which is a violation of said section.

Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted Transunion and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. Pursuant to the Fair Credit Reporting Act 15 USC 1681a ( e ) Investigate consumer report means no factual information should be furnished on my consumer report. Pursuant to 15 USC 1666-1666b and 12 C.F.R. 226.13 remove all late payments. In Accordance with 15 USC 1681 ( a ) ( 4 ), I have the right to privacy and you are invading my right to privacy by furnishing transactions between I the consumer and the company XXXX XXXX ) which is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ). 
XXXX Account Number : XXXX I demand that these late payments be removed or be civil liable for damages pursuant to 15 USC 1611 ( 1 ) ( 2 ) ( 3 ) you will be fined no more than XXXX or no more that XXXX year in jail. 
Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the abovementioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 
I request that you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of the payment being late, update the payment history to be paid as agreed/never late ( PAANL ).

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