Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
XXXXXXXX XXXX XXXX XXXX is not an verified account it is reporting to my credit reports per XXXX XXXX XXXX The debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt XXXX days after the initial communication, the following information must be sent to the consumer in written form : The amount of the debt ; The name of the creditor to whom the debt is owed ; Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and I dont recognize this account it is reporting on my credit I dont recognize the the account number I dont recognize the account status I don't recognize the account balance I dont recognize the late payments associated with this account and everything reported here does not meet the FCRA you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field for-matted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse re-marks : DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the XXXX XXXX data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your alle-gations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence ade-quately validated claims. this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evi-dence of you complete and irrefutably accurate and appropriate Metro XXXX COMPLIANCE as relat-ed to each and all of the accusations of adverse account ( s ) and or aspects thereof. IT IS UNLAW-FUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RE-SPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not.It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above> ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( XXXX ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED com-pliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that I am requesting validation ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( s ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakeable in the bearing of my execution of lawful signature in-disputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit re-ports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete re-porting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allega-tion of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your sub-mission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE en-try. Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a chal-lenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of $ XXXX per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA XXXX my States credit reporting codes or else wise to include the requisites to have on-ly true, correct, and complete recordings in utilization of the XXXX XXXX data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibil-ity to this account of MINE, however if you are unable or unwilling to present the mandated prova-ble documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative as-pects.It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate re-porting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE. Any other notation is possibly refutable or even unlawful chichanary-led subter-fuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with you immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one. In genuine sincerity, XXXX XXXX

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