Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My credit reports reflect inaccurate information and I would like to request that you look into this issue of accuracy to ensure everything reports correctly. 

I've done some research and found that when I dispute an inaccuracy on my report, you're required to investigate and reach out to the data furnisher to determine accuracy. However, I've also noticed that you're only comparing your data against the data furnishers ; this obviously means you're always going to come up with the same result! Because of this, I'm requesting ahead of time that you ( per congressional opinion in XXXXUSHMAN v TRANSUNION XXXX ), do more than just a " database comparison '', because this is not a legal investigation. 
I have researched 15 U.S. C Sec. 1681i ( a ). I will assume you are familiar with this information. It says that if you can not provide proof, these accounts must be deleted. If not available, I would want these accounts deleted if they are not 100 % correct and accurate. It also mentioned that you have 30 days to complete this investigation. 
My rights have been violated by reporting the following inaccurate accounts. 1 5 U.S..C. 1681 Section 602 A. States that I have the right to privacy 15 U.S.C. 1681 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instruction 15 U.S.C. 1681c. ( a ) ( 5 ) : No consumer reporting agency may make any consumer report containing any of the following information : any other adverse item of information, other than the records of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account may be inaccurate. 

XXXX : Account number : XXXX, illegal reporting pursuant to 15 USC 1666b . 

XXXX XXXX XXXX  : Account number : XXXX, remove for inaccurate payment history! How can 1 bureau report that I was on time while another reports that I was late and the 3rd reports nothing at all? I was either late or on time. There are multiple dates listed like this. Inaccurate data is being furnished and this account needs to stop reporting for FCRA non-compliance. 

XXXX : Account number : XXXX, where is the proof that I was late on the dates listed? 

XXXX : Account number : XXXX, Inaccurate data is being furnished and this account needs to stop reporting for FCRA non-compliance. There are different dates last active reported. How can there be different dates when this is what stipulates when the account naturally falls off? You can't report different months and different years! 

XXXXXXXX XXXX XXXX Account number : XXXX, date last paid shows mutliple dates and this makes it look like I paid when I didn't and didn't when I paid. How is that possible? How can there be years between bureaus? Inaccurate data is being furnished and this account needs to stop reporting for FCRA non-compliance. 

XXXX XXXX XXXX Account number : XXXX, Inaccurate data is being furnished and this account needs to stop reporting for FCRA non-compliance. There are different dates last active reported. How can there be different dates when this is what stipulates when the account naturally falls off? You can't report different months and different years! 

XXXX : Account number : XXXX, I was not late XX/XX/XXXX and require that unless you have proof ( legal proof ) that I was late, any late payment on this account is removed for violation of 15 US code 1666b. 

XXXX : Account number : XXXX, 1st date of delinquency is wrong. Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report. 

XXXX XXXXXXXX : Account number : XXXX, date last paid reports as XX/XX/XXXX on both TransUnion and XXXX and XX/XX/XXXX on XXXX. There was no payment in XXXX - delete for re-aging violation. 

XXXX : Account number : XXXX, remov for inaccuracy - date last paid reports as XX/XX/XXXX on TransUnion, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. Additionally, this account reports date last active as XX/XX/XXXX on TransUnion, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. Delete for violation. 

XXXX  : Account number : XXXX, remove for inaccuracy- account reports date last active as XX/XX/XXXX on XXXX but XX/XX/XXXX on XXXX XXXX Additionally, the date last paid is missing on XXXX and reports as XX/XX/XXXX on XXXX- both of these are incorrect and require deletion!

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