Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have contacted Transunion several times in regards to having this issue resolved and nothing has been done on my credit report they are showing 2 inaccurate late payments for XX/XX/XXXX and XX/XX/XXXX along with two 120 days late on my credit report I have contacted the Mortgage Company for my loan who has verbally told me several times on a recorded line that my account is in good standing and no lates should be reflected on my account and credit report with Transunion XXXX who the account is with XXXX  sent me a letter on XX/XX/XXXX that they have responded to my dispute directly and has notified Transunion on XX/XX/XXXX to have the information on my credit report to be updated and reflect no late payments I just spoke to a TRANSUNION rep again today on XX/XX/XXXX who said they didnt receive anything from XXXX I have disputed the item again with Transunion for the following creditor : XXXX I am also including a copy of the letter sent to me by XXXX stating that they contacted TRANSUNION to correct the information on XX/XX/XXXX I am also attaching my payment stream from XXXX  THAT CLEARLY SHOWS THEY ARE NO MISS OR LATE PAYMENTS FOR THESE DATES IN ADDITION HOW CAN TWO LATE PAYMENTS REFLECT AS 12O DAYS LATE 2X I EVEN MENTION THAT TO THE REPS AT TRANSUNION THAT THATS CLEARLY IN ACCURATE THEY STILL HAVE VIOLATED MY RIGHTS AND LAW BY NOT CORRECTING OR DELETING THE INACCURATE INFORMATION. According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. Their are still accounts that are listed as accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. See XXXX Also according to XXXX XXXX On XX/XX/XXXX the US Congress passed the Emergency Banking Act. On XX/XX/XXXX President Roosevelt announced to the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt. See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 31 USC 53 section 5312 ( 3 ) ( C ), XXXX ( XXXX ) ( r ), PL XXXX, XXXX Stat. XXXX, PL XXXX, PL XXXX, PL XXXX, PL XXXX, PL XXXX, XXXX XXXX, XXXX XXXX XXXX ( a ), XXXX XXXX, XXXX XXXX ( a ), ( b ), XXXX ) ( a ), XXXX ( c ), XXXX XXXX ( g ), XXXX ( b ), XXXX Stat. XXXX, XXXX XXXX. XXXX, XXXX, XXXX XXXX. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX. XXXX, PL XXXX, PL XXXX, XXXX XXXX ( h ), PL XXXX, PL XXXX, PL XXXX, PL XXXX, PL XXXX, XXXX XXXX ( b ), XXXX Stat. XXXX, XXXX XXXX ( a ) ( XXXX ), XXXX XXXX. XXXX, XXXX XXXX. XXXX, XXXX Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress.

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