Consumer complaint received 2017-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This in regards to the problems I 'm having with TransUnion & their failure/unwillingness to remove ALL/multiple items pertaining to XXXX ( XXXX ) after my state of residency, Florida, has clearly noted these loans are ILLEGAL, COMPANY NOT LICENSED IN FLORIDA AND AS SUCH, LOANS ARE ALSO UNENFORCEABLE AND HENCE UNCOLLECTABLE. Mid XX/XX/XXXX, I started with my letters and phone conversations with TransUnion supervisors/managers. Originally, ( XX/XX/XXXX ), I provided the letter from the Florida Office of Financial Regulation dated XX/XX/XXXX noting that XXXX is an ILLEGAL payday lender as they are unlicensed in Florida ( and actually all US STATES ). They include copies of the Florida statute noting as they are illegal and unlicensed the loan is unenforceable and uncollectable. As such, I asked for all the XXXX accounts to be removed as illegal, unenforeable and uncollectable items should not be listed. They did nothing and returned a credit report to me that still listed all the accounts. 

I called back and went over the information again around the end of XX/XX/XXXX. The supervisor then told me that if I would produce a letter from the state of Florida noting that XXXX is not a licensed lender in Florida ; therefore, as they are unenforceable and uncollectable in my ( and actually all US ) states, they should not be showing on my credit report. I received an email from XXXX of the Florida office of Financial Regulation on XX/XX/XXXX and she advised that TransUnion can use the already supplied letters to me from the Florida OFR and also can visit XXXX to verify the license status. She also recommended I file a complaint with you, CFPB, re : the difficulties and issues I am experiencing with TransUnion and their failure to remove illegal, unlicensed companies/loans from my report. She again refers to and encloses the Florida OFR Press release discuss unlicensed payday lenders ( it notes that if a company is not licensed to make loans in Florida, these loans are illegal!!!! ) Hence, again, as XXXX is unlicensed ( see enclosures ) in Florida, all of these loans are illegal. So I am questioning why does TransUnion refuse to remove all of these ILLEGAL LOANS/ENTRIES on my credit report. 

After I did a repeat dispute on XX/XX/XXXX with TransUnion noting : that if a company is not licensed to make loans in Florida, these loans are illegal. ( see attached ) " As they are illegal, unenforceable and uncollectable in my state, they SHOULD NOT be showing on my credit report. It is noted too that XXXX does not show on XXXX or XXXX! 
After they again did nothing ( i.e. did not remove all of the XXXX entries ), I called again on XX/XX/XXXX. I was advised that management was not going to do nothing as they pay to belong to/report to (? ) TransUnion & if TransUnion is OK with them reporting ( as they are a paying customer ), they can continue to report. TransUnion can only tell them my dispute, but it is up to XXXX should they choose to remove all entries which they do not. 

As this company is reporting multiple entries of XXXX that the state of Florida ( and others ) have noted are of a company that is unlicensed and hence, illegal in Florida. I have great concern re : TransUnion refusal to remove all of these 'illegal ' entries, so I am coming to you to have all of the ILLEGAL XXXX entries removed per Florida law/statute!

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