Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, I am not a third party. I am a natural person submitting this complaint, and I am requesting that these negative inaccurate items be removed from my credit report. 

1. XXXX XXXX Account number XXXX Account type Credit Card Responsibility Date opened XX/XX/XXXX Status Account charged off. {$6.00}, XXXX written off. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$6500.00} Balance updated XX/XX/XXXX REASON ; I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. 
This creditor has not provided me a 1099c form this account as it is being reported as CHARGED OFF. 
The debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
The debt collector is not properly reporting on this debt. 
This account is inaccurate and needs to be removed. 
Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties.

Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated. 

2. XXXX XXXX XXXX  Account number XXXX Account type Secured Card Date opened XX/XX/XXXX Status Account charged off. {$200.00} written off. {$200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$200.00} XXXX updated XX/XX/XXXX REASON : I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. 
This creditor has not provided me a 1099c form this account as it is being reported as CHARGED OFF. 
The debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
The debt collector is not properly reporting on this debt. 
This account is inaccurate and needs to be removed. 
Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties.

Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated.

3. XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$4000.00} XXXX updated XX/XX/XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. 
This creditor has not provided me a 1099c form this account as it is being reported as CHARGED OFF.

The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a ORIGINAL CONTRACT with Consent to share/ opt out of personal information being shared with 3rd parties Please delete this from my report. 
The debt collector is not properly reporting on this debt. 
This account is inaccurate and needs to be removed. 
Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties.

Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated.

4XXXX XXXX XXXX Account number XXXX Account type Collection Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$1800.00} REASON : I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. 
The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a ORIGINAL CONTRACT with Consent to share/ opt out of personal information being shared with 3rd parties. Please delete this from my report.

This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. Under 15 U.S.C.1681b, 15 U.S.C.1666b and 15 U.S.C.1666 15 USC 6802B my rights was violated.

The debt collector is not properly reporting on this debt.

This account is inaccurate and needs to be removed.

Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties.

Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated. 

5.XXXX XXXXXXXX, XXXX Account number XXXX Account type Collection Responsibility Date opened XX/XX/XXXX Status Collection account. {$840.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$840.00} REASON : I don't recognize how this account is reporting on my credit report. 
I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. 
The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a ORIGINAL CONTRACT with Consent to share/ opt out of personal information being shared with 3rd parties Please delete this from my report.

This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. Under 15 U.S.C.1681b, 15 U.S.C.1666b and 15 U.S.C.1666 15 USC 6802B my rights was violated.

The debt collector is not properly reporting on this debt.

This account is inaccurate and needs to be removed.

Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties.

Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated. 

6.XXXX XXXX  Account XXXX XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$4000.00} REASON : I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. 
The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a ORIGINAL CONTRACT with Consent to share/ opt out of personal information being shared with 3rd parties Please delete this from my report.

This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. Under 15 U.S.C.1681b, 15 U.S.C.1666b and 15 U.S.C.1666 15 USC 6802B my rights was violated.

The debt collector is not properly reporting on this debt.

This account is inaccurate and needs to be removed.

Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties.

Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated.

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