Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ( Original XXXX XXXX XXXX XXXX ) : Account number : XXXX, XXXX XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, XXXX CARD : Account number : XXXX, XXXX XXXX XXXX ( j ) XXXX ( j ) - A credit card from a bank such as XXXX are actually called open-ended consumer credit plans. Installment loans also fit under this category as well. 

XXXXL : Account number : XXXX, XXXX U.S.Code XXXX ( a ) XXXX ( a ) - Creditor can not report any late payments unless all requirements of XXXX ( b ) is met. Under XXXX ( b ) ( XXXX ) ( A ) documentary evidence must be given upon request if not the failure of meeting this requirement will result in a billing error. 

XXXX : Account number : XXXX, XXXX U.S.Code XXXX ( a ) XXXX ( a ) - Creditor can not report any late payments unless all requirements of XXXX ( b ) is met. Under XXXX ( b ) ( XXXX ) ( A ) documentary evidence must be given upon request if not the failure of meeting this requirement will result in a billing error. 

XXXX  : Account number : XXXX, XXXX U.S.Code XXXX ( a ) XXXX ( a ) - Creditor can not report any late payments unless all requirements of XXXX ( b ) is met. Under XXXX ( b ) ( XXXX ) ( A ) documentary evidence must be given upon request if not the failure of meeting this requirement will result in a billing error. 

XXXXL : Account number : XXXX, XXXX U.S.Code XXXX ( a ) XXXX ( a ) - Creditor can not report any late payments unless all requirements of XXXX ( b ) is met. Under XXXX ( b ) ( XXXX ) ( A ) documentary evidence must be given upon request if not the failure of meeting this requirement will result in a billing error. 

XXXX : Account number : XXXX, XXXX XXXX XXXX ( j ) XXXX ( j ) - A credit card from a bank such as XXXX are actually called open-ended consumer credit plans. Installment loans also fit under this category as well. 

XXXX XXXX CO XXXX Account number : XXXX, XXXX U.S.Code XXXX ( a ) XXXX ( a ) - Creditor can not report any late payments unless all requirements of XXXX ( b ) is met. 
Under XXXX ( b ) ( XXXX ) ( A ) documentary evidence must be given upon request if not the failure of meeting this requirement will result in a billing error. 

XXXX : Account number : XXXX, XXXX U.S.Code XXXX ( a ) XXXX ( a ) - Creditor can not report any late payments unless all requirements of XXXX ( b ) is met. Under XXXX ( b ) ( XXXX ) ( A ) documentary evidence must be given upon request if not the failure of meeting this requirement will result in a billing error. 

XXXX XXXX : Account number : XXXX, XXXX XXXX Code XXXX ( g ) XXXX ( g ) The term creditor refers only to a person, natural person, who regularly extends credit and is the person to whom the debt arising from thus we created the debt, and the consumer credit transaction is initially payable on the face of the evidence of indebtedness, or a contract. 

XXXX : Account number : XXXX, XXXX XXXX XXXX XXXX ( g ) XXXX ( g ) The term creditor refers only to a person, natural person, who regularly extends credit and is the person to whom the debt arising from thus we created the debt, and the consumer credit transaction is initially payable on the face of the evidence of indebtedness, or a contract. 

XXXX OF XXXX : Account number : XXXX, XXXX XXXX Code XXXX ( g ) XXXX ( g ) The term creditor refers only to a person, natural person, who regularly extends credit and is the person to whom the debt arising from thus we created the debt, and the consumer credit transaction is initially payable on the face of the evidence of indebtedness, or a contract. 

XXXX OF XXXX : Account number : XXXX, XXXX XXXX Code XXXX ( g ) XXXX ( g ) The term creditor refers only to a person, natural person, who regularly extends credit and is the person to whom the debt arising from thus we created the debt, and the consumer credit transaction is initially payable on the face of the evidence of indebtedness, or a contract. 

Notice, it is a fact, pursuant to XXXX U.S.Code XXXX ( XXXX ), the term creditor means any person who extends credit creating the debt. 
I extended the credit which makes me the original creditor in fact.

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 explanation