Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear CFPB, Dear Transunion I am writing to dispute an account on my credit that I do not recognize. I do not have contracts or paperwork with XXXX XXXX XXXX 
This company put a lien on my house. This company ruined my credit for over 2 years. I have made several attempts to get this off of my credit, but none were successful. I spoke with the supervisor of XXXX  XXXX ( XXXX ) at XXXX who informed me that the account had been charged off after 120 days, and that if it hasn't fully, that it will for sure charge off at the end of XX/XX/2023. This further shows that this account has be sold and paid for and they are still trying to collect debt from me. They have pulled hard inquiries without my permission. They have reported late payments without my permission. They have caused my credit to drop over 100 points. I have been severely compromised and violated by this company and the companies involved. 
They have put a lien on my home until the account is paid off and is now forcing me to pay them {$2000.00} so that they can remove the lien. I am not able to close on the sale of my house. I am now asking Transunion to validate, verify all data for the account, include dates and balances reported or not. Please provide me with written proof that I have had a signed contract with this company. 

I appreciate your prompt attention to this matter and look forward to resolving this issue as soon as possible. 


Provision act of FCRA investigate and remove. 
As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information in my credit report. 
FCRA 609 This section outlines your right to request and obtain a free copy of your credit report from each of the three major credit bureaus once every 12 months.

FCRA 611 This section outlines the procedures for disputing inaccurate or incomplete information on your credit report, including the requirement for credit bureaus to investigate your dispute.

FCRA 623 This section outlines your right to add a statement of dispute to your credit report if you believe that the credit bureau has not corrected inaccurate or incomplete information.

FCRA 616 This section outlines the procedures for reinserting previously deleted information on your credit report, including the requirement for credit bureaus to provide you with notice and an opportunity to dispute the reinsertion.

USC 1681s-2 ( b ) This section outlines the responsibilities of furnishers of information to credit reporting agencies, including the requirement to provide accurate information and to investigate disputes.

USC 1681i This section outlines the procedures for correcting inaccurate information on a credit report, including the requirement for credit bureaus to conduct a reasonable investigation of disputes.

USC 1681n This section outlines the penalties for willful noncompliance with the provisions of the Fair Credit Reporting Act ( FCRA ), including the awarding of damages to the affected consumer.

USC 1681o This section outlines the penalties for negligent noncompliance with the provisions of the FCRA, including the awarding of damages to the affected consumer.

Sincerely, Consumer

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