Consumer complaint received 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts supporting reporting. Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

XXXX XXXX XXXX This account has not been verified and must be removed. XXXX and Transunion do not report this unverified account, only XXXX is at risk. How can this be accuracy and integrity? The dates for past-due entries conflict and violate the cares act reporting limits. I show on time payments for XXXX and XXXX with late payment status of 120 120 120 for XXXX, XXXX, XXXX. This can not be accurate. Date Opened XX/XX/XXXX conflicts with XXXX calendar reporting data as unavailable, this is misleading and inaccurate. 



XXXX XXXX XXXX XXXX FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account listed can not and has not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts for retained reporting. XXXX and Transunion do not report this unverified account, only XXXX is at risk. How can this be accuracy and integrity? 

XXXX XXXX XXXX XXXX FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account listed can not and has not been verified no contract provided by data furnishers just statements. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts for retained reporting. XXXX and Transunion do not report this unverified account, only XXXX is at risk. How can this be accuracy and integrity? 


XXXX & XXXX XXXX FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account listed can not and has not been verified no contract provided by data furnishers just statements. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts for retained reporting. XXXX and Transunion do not report this unverified account, only XXXX is at risk. How can this be accuracy and integrity? 


XXXX ( ALL REPORTED ACCOUNTS ) FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account listed can not and has not been verified no contract provided by data furnishers just statements. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts for retained reporting. XXXX and Transunion do not report this unverified account, only XXXX is at risk. How can this be accuracy and integrity? The dates for past-due entries conflict and violate the cares act reporting limits. 

XXXX XXXX XXXX XXXX FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account listed can not and has not been verified no contract provided by data furnishers just statements. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts for retained reporting. XXXX and Transunion do not report this unverified account, only XXXX is at risk. How can this be accuracy and integrity? The dates for past-due entries conflict and violate the cares act reporting limits.

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