Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PXXXX XXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXX, XXXX XXXX PA XXXX Notice to Agent is notice to principal notice to principal is notice to agent. 

Dear Transunion, I received a copy of my credit report and I have found the following items listed below to be in error. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, Transunion, any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused XXXX XXXX XXXX XXXX due to the abusive and unfair practices. 

You, TRANSUNION, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
Party Owed : XXXX XXXX : {$180.00} Account # : XXXX I was never late on on this account please update the account as Paid/Current. 


Under 15 U.S. Code 1692k - Civil liability I Demand XXXX dollars for each violation as you have caused severe damage to my character. ( a ) Amount of damages except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Stop contacting me about this or any other matter you have, cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ). My State Attorney General Office, and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15-day timeframe you have. 

You have 15 days from this date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages along with the violations you have already committed. The invoice will be attached to this letter thank you. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 

Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved

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