Consumer complaint received 2022-07-17
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:
Re : Reinvestigation on data being Incomplete and Inaccurate and violation of FCRA [ 15 U.S.C. 1681i ] To Whom It May Concern : I received a copy of my credit report on XX/XX/XXXX and found the following item is still reporting as inaccurate or incomplete. 

DISPUTE # 1 - FCRA [ 15 U.S.C. 1681i ] Account Name : XXXX Vacation Resorts Account Number : XXXX Dispute : Loan Type : XXXX XXXX  I have never had a timeshare loan where I signed a contract with XXXX XXXX XXXX for a timeshare loan. 
Inaccurate : Date Opened : XX/XX/XXXX DISPUTE # XXXX - ( XXXX ) Duty to provide notice of delinquency of accounts DUTY TO PROVIDE NOTICE OF DELINQUENCY OF ACCOUNTS The person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
Dispute : Date of Delinquency is MISSING. 


Note : Based on 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Upon completion of this reinvestigation, I am requesting the following ; a. Complete copy of updated credit report b. Notice of Results of Reinvestigation : TransUnion shall provide written notice to me, the consumer of the results of the reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail c. As the consumer I DO NOT AUTHORIZE Transunion you to provide the reinvestigation to me in any other manner except via MAIL.

d. Notice of Results of Reinvestigation : Contents, as part of, or in addition to, the notice under above item ( b ), TransUnion shall provide to me the consumer in writing before the expiration of the 5-day period referred to in above item ( b ) a. a statement that the reinvestigation is completed; b. a consumer report via mail that is based upon the consumers file as that file is revised as a result of the reinvestigation ; c. I am requesting a notice of the description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

d. I as the consumer am requesting following any deletion of information which is found to be inaccurate or incomplete and whose accuracy or incomplete can no longer be verified or any notation as to disputed information, the consumer reporting agency shall furnish notification to all companies who received a consumer report with the last six months prior, which contained the deleted or disputed information that the item has been deleted.

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