Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the Amount of {$3900.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the Amount of {$3700.00} To Whom It May Concern at XXXX XXXX XXXXXXXX XXXX AND TRANSUNION This is about consumer credit transaction entered with XXXX XXXX XXXX XXXX  dated about XX/XX/XXXX and I extended your organization the credit for the account number XXXX and XXXX. 

I hereby give your company XXXX XXXX XXXX XXXX  notice pursuant to 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your company didnt even inform me about the cost of credit and the only evidence of the indebtedness was just a computer generated agreement. 

According to 15 USC 1602 ( k ), adequate notice means a printed notice to a card holder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above mention section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) A consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it is resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term unauthorized use means a use of a credit card by person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit. 
1. Accounts deleted from All consumer credit reporting agencies 2. Monetary relief for recent denial of mortgage loan due to this billing error from XXXX XXXX XXXX XXXX. ( See attachments ) in Amount of {$25000.00} 3. Return all monies ever paid on these accounts. 
XXXX. XXXX XXXX XXXX ACCOUNT # XXXX in the Amount of {$3900.00} HAS REAPPEARED ON TRANSUNION PLEASE DELETE FROM ALL CREDIT REPORTING AGENCIES. 
5. My credit score has plummeted XXXX points and this is a classic case of DEFAMATION OF CHARACTER. 
6. Please note on attachment copies the accounts were removed from my credit file and my score increased and on XX/XX/XXXX Transunion placed Acct. XXXX back on my file now my score has dropped XXXX points. Please contact XXXX so this account wont keep reporting. 

If you accept my request, I will not escalate this matter to federal court. In case, you dont accept the above request, a legal action shall be taken against your company for Compensatory damages. 



Thank you, XXXX XXXX XXXX

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