Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Account name XXXX XXXX  XXXX Account number XXXX Original creditor - Company sold - Account type Revolving account Date opened XX/XX/XXXX Account status Closed Payment status Charged off as bad debt Status updated XX/XX/XXXX Balance {$3700.00} Balance updated XX/XX/XXXX Credit limit {$3500.00} Monthly payment - Past due amount {$3700.00} I recently looked at my credit report and saw that there was outdated negative information and also inaccurate infomation. My statutory of limitations is 3 years. 
Futhermore there is also a collection company called XXXX XXXX emailing me about this same account saying that I owe {$3700.00}. If XXXX  XXXX XXXX charged off the debt they should be reporting this debt as paid and a balance of XXXX. This information is incorrect and I demand that you delete it from my report. I need you to provide the insurance policy, the take down letter and 1099C on this alleged debt that was already charged off but is still being reported on my report. Its my understanding is that the Metro 2 Format is the industry standard for reporting, complete, and timely information and that the data should be reported to the specified definitions in order to process credit information correctly.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act XXXX XXXX XXXX ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Please attach copies of the following : *Agreement with your client that grants XXXX XXXX XXXX XXXX authority to collect this alleged debt. * Signed agreement debtor has made with XXXX  XXXX XXXX, or other verifiable proof Debtor has a contractual obligation to pay debt collector. *Any agreement that bears the signature of debtor, wherein agreed to pay creditor. *All statements while this account was open. *Have any insurance claims been made by any creditor regarding this account? Yes -- No *Have any judgements been obtained by any creditor regarding this account? Yes -- No Please provide me the name and address of the bonding agent for XXXX  XXXX XXXX, in case legal action becomes necessary : Date : Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 15 calendar days from the date of recepit of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and retured with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 15 calendar days for processing after I receive this information. Thank you, 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 explanation