Consumer complaint received 2016-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
TRANS UNION XXXX XXXX XXXX PA, XXXX XX/XX/2016 Dear XXXX, Please provide evidence the following accounts belong on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging accounts information. 

REMOVE THIS INVALIDATED ACCOUNT PUBLIC RECORD COLORADO FEDERAL COURT- XXXX DOCKET # : XXXX I WOULD LIKE TO KNOW WHY THIS INVALIDATED ACCOUNT IS STILL CURRENTLY BEING ILLEGALLY DISPLAYED ON MY TRANS UNION CREDIT REPORT? AS I HAVE PERSONALLY WRITTEN TO THE XXXX MY SELF AND HAVE RECEIVED A WRITTEN LETTER, DIRECTLY FROM THE XXXX XXXX COURT WHICH I HAVE PROVIDED TO TRANS UNION SEVERAL TIMES! THE WRITTEN LETTER CLEARLY STATES THAT THEY DO NOT CORRESPOND WITH CREDIT REPORTING AGENCY 'S. I AM NOW DEMANDING THAT TRANS UNION PROVIDE ME WITH THE LEGAL COMPETENT PROOF IN WHICH WOULD PROVE THAT THIS ALLEGED ACCOUNTS INFORMATION IS ACCURATE, WHEN IN FACT IT IS NOT! AS YOU TRANS UNION ARE IN FACT NO DOUBT AWARE THAT YOU ARE CURRENTLY IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT LAWS, BY CONTINUING TO REPORT THAT THIS ALLEGED ACCOUNTS INFORMATION IS ACCURATE WHEN IN FACT THERE HAS BEEN NO PROVIDED PROOF THAT IT IS! I AM NOW URGING TRANS UNION TO COMPLETELY REMOVE THIS INVALIDATED, INACCURATE ACCOUNTS INFORMATION FROM BEING ILLEGALLY DISPLAYED ON MY TRANS UNION CREDIT REPORT AS SOON AS POSSIBLE! 

REMOVE THIS INVALIDATED ACCOUNTS INFORMATION : ADJUSTABLE RATE MORTGAGE INFORMATION : PUBLIC RECORD DETAILS : THIS INVALIDATED INFORMATION SHOULD NOT BE BEING ILLEGALLY DISPLAYED ON MY TRANS UNION CREDIT REPORT, AS I HAVE PERSONALLY WRITTEN TO THE PUBLIC RECORDS DEPARTMENT, AND THEY HAVE WRITTEN BACK TO ME THAT THEY DO NOT AFFILIATE THEMSELVES WITH CREDIT REPORTING AGENCY 'S! I AM NOW DEMAND THAT YOU TRANS UNION PROVIDE, ME WITH THE LEGAL COMPETENCE PROOF THAT WOULD SHOW THAT THIS ALLEGED ACCOUNTS INFORMATION IS ACCURATE WHEN IN FACT IT IS NOT! 

XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX I WOULD LIKE TO KNOW WHY THIS INVALIDATED ACCOUNTS INFORMATION IS STILL CONTINUING TO BE ILLEGALLY DISPLAYED ON MY TRANS UNION CREDIT REPORT? AS I HAVE PERSONALLY WRITTEN TO XXXX LOAN IN REGARDS TO THIS INACCURATE INFORMATION. AS OF TODAY 'S DATE XX/XX/2016 I HAVE YET TO RECEIVE MY LEGAL VALIDATION IN REGARDS TO THIS INACCURATE ACCOUNTS INFORMATION LISTED BELOW : REMOVE THIS INFORMATION : PAY STATUS : ACCOUNT 30 DAYS PAST DUE- I HAVE NEVER BEEN LATE ON THIS ACCOUNT, PROVIDE PROOF! 
TERMS : {$760.00} PER MONTH, PAID MONTHLY FOR 528 MONTHS -MAXIMUM DELINQUENCY OF XXXX DAYS IN XX/XX/XXXX I AM NOW DEMANDING THAT TRANS UNION PROVIDE ME WITH THE LEGAL COMPETENT PROOF OF THESE ALLEGED LATE PAYMENTS, IN THE EVENT THAT IT CAN NOT BE PROVIDED, THEN REMOVE THESE LATE PAYMENTS FROM MY TRANS UNION CREDIT REPORT AS SOON AS POSSIBLE! 

REMOVE THESE ALLEGED LATE PAYMENTS XX/XX/XXXX & XX/XX/XXXX AS I HAVE NEVER BEEN LATE ON THIS ACCOUNT! 

XXXX ACCOUNT NUMBER : # XXXX I AM NOW DEMANDING THAT TRANS UNION PROVIDE ME WITH THE LEGAL COMPETENT PROOF THAT WOULD SHOW THAT I WAS LATE ON THIS ACCOUNT! AS YOU TRANS UNION ARE IN FACT NO DOUBT AWARE THAT THIS IS A CLEAR CASE OF INVALIDATED DEBT HERE AND I AM URGING YOU TO COMPLETELY REMOVE THE INACCURATE LATE PAYMENTS ASSOCIATED WITH THIS ACCOUNT AS SOON AS POSSIBLE! 

AS I WOULD PREFER NOT TO LITIGATE, TRANS UNION PLEASE BE ADVISED THAT I WILL EXERCISE EACH AND EVERY XXXX OF MY CONSUMER RIGHTS UNDER THE FAIR CREDIT REPORTING ACT LAWS TO THE FULLEST EXTENT OF THE LAW. 

AS I HAVE PREVIOUSLY PROVIDED TRANS UNION WITH THE LEGAL COMPETENT PROOF THAT WOULD SHOW THAT THESE ALLEGED ACCOUNTS INFORMATION ARE INVALIDATED, XXXX TRANS UNION YOU ARE CONTINUING TO ILLEGALLY DISPLAY THESE INVALIDATED ACCOUNTS INFORMATION. THIS IS A KNOWINGLY AND DIRECT VIOLATION OF THE LAW

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